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

Book a package through the XXXX  website with the XXXX  credit card by Barclay 's. The transaction was refused. After talking to a bunch if the service reps and being on hold. I finally got a rep that told me the charges did not go through on my card. I instructed the rep to close my account. I as told the account was closed. I then purchased the flight and hotel on another card. I received a bill from Barclay 's for the package at the end of the month. I have spent countless hrs talking to reps and jumping through hoops. To get this fixed. The card was closed and the company reran my card that was supposed to be closed. I talked to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX. XXXXXXXX XXXX XXXX  and Barclay 's. Originally all the companies blamed eachother and said I need to get it resolved through them. Barclay 's has set up appointments with me to call my phone on my days off but never calls. Then they say I wasn't answering. Phones log the numbers incoming. Not one call from them is in my phone logs. I have processed complaints through them 3 times now getting case numbers. Only to have to call them and ask what is going on. This is strait robbery. Those charges were done after my account was closed.
Product: Credit card or prepaid card

KEY BANK has locked my unemployment card over a XXXX charge that i verified and i have called numerous times being put on hold for hours at a time ( and this is not a exaggeration ) and if i do get through they just pick up the phone and hang up after being on hold for hours. i cant access my money for food for bills for gas nothing and i have called 20 times or more and waited on hold ANO ONE EVER GETS ON THE PHONE with NO ONE TO TURN TO TO REPORT THEM AT THE COMPANY.i am at my witts end i have no access to money for NOTHING. these people should be fined or shut down for there bad behavior and down right disregard for there customers and holding peoples money XXXX. with no remedy or way to resolve the problem.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX or XXXX XXXX. XXXX, that you, the EQUIFAX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : 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 XXXXXXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I found a new debt-collection remark ( {$160.00} ) on my credit history on XX/XX/XXXX and I realized it was from XXXX XXXX XXXX XXXX same creditor- for the same account opened due to identity theft XXXX years ago. I contacted XXXX XXXX and reported the identity theft issue in XXXX and XX/XX/XXXX. Their debt collector agreed to remove the fraud debt collection record. But this year, XXXX XXXX once again posted the same fraud bill on my account. 

The previous incident is below : I found a debt collection record of {$160.00} in my credit history on XX/XX/XXXX. The creditor is XXXX XXXX, a XXXX power provider/company. The debt collector is XXXX. I contacted XXXX XXXX and was advised to file a police report and provide utility bills for my apartment in XXXX. I faxed all the required documents to the provided number ( XXXX ) on XX/XX/XXXX, but have not heard back from XXXX XXXX. I filed a complaint on CFPB ( ID # XXXX ) and the debt collector removed the debt collection record on XX/XX/XXXX.
Product: Credit card

XX/XX/23 {$.00} to XXXX  for a purchase I didn't make the company incomm refusing to dispute for reasons they are not going to try to recover funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Online Information Services - Creditors have reported several times my medical debt for the same amount and the same day of service. 
This has led to a derogatory number of 25 entries. I contacted them, but they do not know why these are reported so many times and they could not help. 

Creditor A : amount {$270.00} Reported 3 times Date : XX/XX/XXXX Creditor B : Amount : {$260.00} Reported : 10 times Date : XX/XX/XXXX Creditor C : Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX Creditor D : Amount : {$470.00} Reported : 2 times Date : XX/XX/XXXX Creditor : E Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up my autopayment on Ally Home Loans website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked Ally home loans to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I do not validate this account that this organization continuously seeking.
Product: Credit reporting, credit repair services, or other personal consumer reports

MORTGAGE COMPANY : LoanDepot UNFOUNDED 30-DAY LATE REPORT FOR XXXX, XXXX, XXXX : This company reported erroneous 30-day late payment often this year ; running our FICO scores. 

POOR COMMUNICATION ( XXXX & XXXX, 2018 ) : Improper communication process on the problem in the clearing of the automated payment resulting in 30days late. Didn't inform the customer on the returned check in XXXX. When realized, the payment was already late. In XXXX, presented payment twice. Messed up the account. Resolution resulted in 30days late. 

DENIED OF PAYMENT WHEN THE COMPANY WAS ACTUALLY PAID LEADING TO 30DAYS LATE : This company was paid by XXXX on the XX/XX/18 but called on the XX/XX/18 that they were NOT paid. Customer made 2nd payment to prevent 30-days late. 

COMPANY STAFF INSENSITIVE TO CUSTOMERS ' CONCERN MAKING LIFE UNBEARABLE FOR CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my right.

15usc 1681 section 602 states i have. the right to privacy.

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

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the Equifax data breach of XXXX also part of the XXXX data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX and Experian 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 this capitol one credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Product: Debt collection

On XX/XX/year>, I mailed a dispute letter to Credit Corp Solutions disputing negative items on my credit report. In my letter, I specifically requested verification and documentation establishing a valid basis for claiming that I owe the debt to the current creditor. For example, I asked for : A copy of the written agreement that created my original requirement to pay.

Despite allowing sufficient time for a response, Credit Corp Solutions failed to provide the requested documentation within the legally required timeframe. Instead, I received a letter dated XX/XX/year>. This response did not include the verification and documentation I requested but instead : Mischaracterized my dispute as a duplicate dispute. 
Asked me to provide additional information regarding the disputed items. 
This failure to provide the requested information and their apparent attempt to avoid conducting a thorough investigation demonstrates noncompliance with their legal obligations under the FDCPA. 
Under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Credit Corp Solutions is required to : Conduct a reasonable investigation into disputed items. 
Provide the requested verification and documentation to substantiate the debt. 
Their failure to comply with these requirements has caused harm and raises concerns about the accuracy of their reporting and collection practices.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Equifax stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Product: Debt collection

This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times.
Product: Mortgage

My mortgage Forbearance is due to expire TODAY. I have been trying to find out from Citizens Bank what I need to do to start making my payments again for over a month. Their process is unlike any other banks ' process that I am familiar with ( I have rental property mortgages with other banks ) ; they are asking for tax forms and other documentation not required by the other banks. Furthermore when trying to understand their requirements the only people I can talk to are in another country, difficult to understand and the telephone connection is ALWAYS poor. I spoke to three different reps this morning who I could not understand. The customer service dept at citizens bank is unreachable. I have complained to a local brand manager who also could not understand the requirements, and has filed a complaint with citizens on my behalf. I have still not been contacted by anyone! I made the XXXX mortgage payment, though I am not confident it will credited properly and still have no idea how to get out of the forbearance program! The attached form indicates the documentation required by Citizens. NO OTHER bank required this to end the forbearance program I was on. I don't want to request loan modification and can't pay back the total due to come out of forbearance. I SIMPLY WANT TO ADD THE TOTAL DUE ( {$19000.00} ) TO THE END OF THE LOAN IN A NON INTEREST BEARING ACCOUNT ... JUST LIKE I HAVE DONE WITH MY OTHER MORTGAGES. Citizens Bank has made this process impossible!
Product: Credit card or prepaid card

I paid online the total balance of my credit card. I paid this highest amount shown when I logged into their online system. The online site indicated what they termed the ACTUAL BALLANCE. I then closed the account. About a month later I received a small bill for additional interest. When I contacted Bank of America I was told the bill was for additional interest between when the statement was issued and when the card was closed. No where on their web site was this ever indicated. No indication was given that what was shown as the actual balance was not really the actual balance. It is a deliberate misleading way of generating additional interest for Bank of America. A consumer has no recourse but to pay because Bank of America will report the account as delinquent, damaging my credit since Credit Reporting Companies always default to the credit card issuer.
Product: Mortgage

To Whom it may concern, On XX/XX/XXXX, XXXX, XXXX I called Keybank to determine when I would receive the escrow surplus on my closed ( paid off ) Home equity loan ( account # ending in XXXX ) and my closed ( paid off, home equity line of credit account # ending in XXXX ). During one or more of those calls, I also asked the representitive to verify what mailing address Key had for me and she verified my mailing address as XXXX XXXX XXXX XXXX NY XXXX. 
I received a call back from Key Bank on XX/XX/XXXX, during that call I had her verify my address again. The representative then told me the checks were printed on XX/XX/XXXX and would then be mailed following a ten day waiting period. I waited until XX/XX/XXXX, I then called Key to inform them I had not received either of the escrow surplus checks. I called again on XX/XX/XXXX, and XXXX. I informed Key on XX/XX/XXXX that I finally received the escrow surplus check for the account ending in XXXX on XX/XX/XXXX ( I can verify this via USPS incoming mail scan ). I also informed them that I had not yet received the check for acount ending in XXXX. When I called Keybank on XX/XX/XXXX a Keybank mortgage representative ( named XXXX XXXX told me the check was mailed to the wrong address, following that call I was told I would need to fill out an indemnity form in order to get this check. 
I called again today as was told it will take another 10 to 15 days to get reimbursed for the escrow surplus for acount ending in XXXX. 
I updated my address with key in XXXX when I moved to XXXX, at that time no one informed me that this did not include the aforementioned accounts, nor was this mentioned during any of the calls which occured between XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX then and only then was I informed that for account ending in XXXX that an address change could only be done in writing. I find it very in consistent that the check for the account ending in XXXX ( also a home equity mortgage ) was mailed to the correct address without it being submitted in writing. 

Sincerely, XXXX XXXX ( still waiting for the Big Financial Institution to send this little guy his Money the money that cleared these aforementioned accounts on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

Transunion lists 6 inquiries from XXXX XXXXXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX Transunion lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX - two of which are XXXX XXXX. 
XXXX  has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the XXXX XXXX XXXX with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Product: Debt collection

It has come to my attention that West Texas Central Collect has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is 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 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus, especially Experian and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

XXXX  and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.