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

My name is XXXX XXXX, since XXXX bank of america closed my debit card, they keeping telling me is frozen, i was figthing w/o income im paying renting, phone bill, buy food, i have my daugther to feed, until now edd told me again my acount and verification identinty is gualified funds is ready to use or withdraw and active my card, i call bank of america i got 6pcs a costomer service i spoked to 1 get fix my problem, they get me all info everytime i call edd they asking me everytime identity need to sumbit, of course i sent to them but still until XXXX i reopen me edd acount is alredys fix thank gad!!! But bank america they dont wann active my edd debit please help me im so scarde mybe they used my information why i dont get my money? Happy holiday!!
Product: Credit card or prepaid card

I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).
Product: Credit card or prepaid card

I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I was robbed and my phone was stollen in XXXX where I live. The robbers were able to access my phone before I was able to call Chase and report the fraud. They had then sent themselves {$2000.00} XXXX transfer from my Chase account to theirs. I called Chase who advised me to fax them a police report from the XXXX, which I did fax to them, only for them to reply to me again saying that the claim is denied even though I have my full statement with the XXXX in the police report the had asked me to provide.
Product: Debt collection

XX/XX/XXXX as a federally protected consumer filing this 3rd compliant against XXXX and it's subsidiaries for several violations of my personal and consumer rights. XXXX has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Security and Exchange Commission violations and Federal Trade Commission violations as well as CFPB violations.

I originally disputed these things on what is called a consumer credit report under XXXX on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by XXXX on their reporting to no avail! Now here I am a 3rd time trying to get through to this agency via CFPB to correct their errors in regards to my name and social security number/accounting.

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

IC Systems Acct # XXXX {$950.00} Collections/Charge-off/Late payments XXXX XXXX XXXX Acct # XXXX {$1100.00} Collections/Charge-off/Derogatory XXXX I have during all 3 times of disputing these things have asked via phone on XX/XX/XXXX and the letters sent XX/XX/XXXX as well as during the CFPB complaints XX/XX/XXXX asked that all old non-mailable addresses, phone numbers, employers, different variations of my name, hard/soft inquiries and any other information in regards to myself be removed immediately to no avail as well. 

The federal violations that I am using to dispute this report and my business and personal information and identity are stated below! 

Uniform Consumer Credit Code violations.

Negligent Enablement of Identity Fraud/ Federal Trade Commission ( FTC ).

Violation of Privacy Act of 1974.

Violation of 16 CFR 441.1 Removal of non-mailable addresses.

Violation of 15 USC 1681b Permissible Purposes.

Violation of 15 USC 1681 sect 602-604 Rights to privacy.

Violation of 15 USC 1681 Willful noncompliance-616.

Violation of 15 USC 1681 Civil liability.

Defamation of Character ( Per Se ' ).

Violation of 15 USC 1692g Fair Debt Collection Practices.

Violation of 15 USC 1681e Provide maximum possible accuracy/Compliance procedures.

Violation of 15 USC 1681 m Requirements on users of consumer reports. 
Violation of 15 USC 6803 Disclosure of institution privacy policy.

Violation of 15 6809 ( 4 ) Nonpublic personal information.

Violation of 16 CFR 313.1 Purpose and scope.

Violation of CFR 313.4 Initial privacy notice to consumers required.

Violation of CFR 313.6 Information to be included in privacy notices.

Violation of USC 15 1611 Criminal liabilty for willful and knowing violations.

Violation of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.
Product: Debt collection

I was treated at XXXX XXXX Hospital ( " ER '' ) as a result of a motor vehicle accident. I received a bill for {$1600.00}. On XX/XX/18, I paid {$1600.00} online to ER and received a receipt reflecting the same. On XX/XX/18, I received a letter from AMCOL Systems ( " Debt Collector '' ) attempting to collect {$1600.00} on behalf of ER. I contacted Debt Collector via telephone but was unable to speak with a live person. On XX/XX/18, I mailed a letter to ER and Debt Collector providing a copy of my bill, receipt stating the bill was paid in full on XX/XX/18, and a copy of the collection letter sent 37 days after my bill was paid in full. I also disputed the validity of the debt and requested debt verification under the FDCPA. No response was received. Yesterday, I received notification from my credit monitoring service that this account was formally " in collection '' on my credit report and three major FICO scores dropped 58, 50, and 40 points as a direct result. I have written proof of everything that has occurred.
Product: Debt collection

This not my debt XXXX XXXX of XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$420000.00} ; XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a loan XX/XX/20, I learned there was a freeze on my credit reporting with Experian. I've gotten into their circular " interactive '' phone system 5 times and was pushed to the page to, instead, submit request by mail. That requires a written letter, along with the following : " government issued id card, such as driver 's license, state id card, etc. copy of utility bill, bank or insurance statement, and a copy of social security card or another document that displays your ssn. '' I can provide a copy of my diver 's license and a utility bill. And my social security card. It does not, of course, contain a SSN any longer. I need to know what else I  can provide to fulfill their requirements for a document with my SSN on it. BUT I CAN NOT REACH ANYONE TO ASK, NOR GET TO A PLACE ON THE WEBSITE THAT WILL ANSWER THIS QUESTION. 
I need to know how I can get the freeze removed. I understand the process of dealing with your agency can in itself take a couple of months just to get through, hopefully, to Experian. Consequently, I will not be getting a loan ( the genesis of this nightmare. )
Product: Credit reporting or other personal consumer reports

n 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute by mail to Equifax regarding a 60 day late payment being reported by XXXX XXXX which is incorrect. Equifax failed to conduct an actual investigation and provide supporting documents showing why they are stating the late payment is valid. I requested their method of verification and that was also dismissed. I filed a CFPB complaint and Equifax closed the case which makes no sense how that was allowed based on their reason which was once again generic and did not make sense either. No actual ethical investigation has been completed by Equifax or this payment would already be deleted. Equifax responded with " we hope this resolves your concerns '' but left out how it may have resolved my concerns as there was no information of the action they took other than closing the complaint. Equifax needs to be held accountable for their lack of investigation and inability to provide supporting documents.
Product: Credit reporting or other personal consumer reports

i was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance unknown. 

a ftc report has been filed and is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Product: Credit reporting or other personal consumer reports

I just looked up my credit report XXXX, XXXX XXXX. I saw some hard inquiries that did not have Permissible purpose i also attached evidence 1. [ Name of inquiry 's & Date the inquiry 's has no Permissible Purpose to be on my report delete this inquiry due to violation of 15 USC 1681b 1, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 2023
Product: Mortgage

i refinanced my mortgage to lower my payments with a predatory lender by the name of XXXX. after about a year i received a letter from boa saying they had purchased my loan and i was due some payments. i started to contact them sending copies and dates. they threatened to foreclose so i talked to a attorney and was talked into filing XXXX to keep my house. boa never did straighten out the payments and to this day say i owe these payments. i paid my XXXX plan out and it seems i have paid them twice. boa sold the loan in the mid of bankruptcy and you are contacting them.
Product: Debt collection

A correspondence purporting to allege a debt claimed by : RAS LaVrar , LLC A written notice was sent as a response to RAS LaVrar , LLC to their Fair Debt Collection Practices ' Act notice that RAS LaVrar , LLC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that RAS LaVrar , LLC " cease and desist '' collections activities prior to validation of purported debt and that XXXX XXXX, XXXX must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB must have the US Government require Credit Bureaus, e.g. Experian, to have MANDATORY EMAILs that allow Consumers to CONTACT SUPERVISORY personnel in these Agencies AT THE HIGHEST { DECISION MAKING } LEVEL }!! IF one CALLS, you get LOW-LEVEL PHONE BANK non-assistance! IF TRANSFERRED to a " Supervisor '' they are NO BETTER!. PROBLEMS : 1. Experian send consumers " Credit Card Offers '' who, then in turn, FILE A HARD CREDIT HIT with >>NO APPROVAL<< EVEN WITH " EXCEPTIONAL '' { Experians words NOT mine! } CREDIT! LOWERING One 's CREDIT SCORE! 2. Experian provides " GUIDANCE '' on Building Scores and FAILS TO USE IT ACCORDINGLY! Example : " Consumer is to use MORE Revolving Credit to show Credit worthiness, BUT, WHEN YOU DO, they " WARN '' you TOO MUCH INCREASE " RUINS SCORES ''!!! Example : I use my XXXX XXXX Card because THEY RECOMMEND IT FOR FRAUD PROTECTION! { CREDIT vs. DEBIT Cards!  } THEN -- I PAY IT OFF, ENTIRELY, EACH MONTH, THAT DAMAGES ONE 's CREDIT ALSO!! WHY PAYOFF? Because there is a CREDIT LIMIT on CARDS and one has to do the ABOVE to do ANTI-FRAUD Protection USAGE and STILL be able to SHOP once AGAIN. 3. ISSUES, such as 1. and 2. ABOVE then become IRRESOLVABLE because of Experian " POLICY!! YOU CAN '' T WIN!! I am trying to build a 800 Credit Score to REFI my HOME while RATES are DOWN. EVERYTHING Experian has DONE TO ME or RECOMMEND I DO has LOWERED MY SCORE! THE US GOVERNMENT HAS TO STEP IN!!! Experian SIMPLY WILL NOT CORRECT IT's CONTACT OPTIONS in 21st Century. WHY! One can only SURMISE because It's " BIG US, little YOU '' attitude and they DONT WANT to CHANGE or CORRECT the ABOVE ... On their OWN!!
Product: Debt collection

I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NCXXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

I have filed a suit against XXXX  as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach. 

XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit. 

The following accounts should not be apart of my credit file. 
1.XXXX  XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX   {$820.00} 4.XXXX {$6000.00} 5.XXXX  XXXX  6.XXXX XXXX {$6900.00} 7.XXXX XXXX  {$170.00} 8.XXXX {$430.00} 9.XXXX  XXXX  {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX  {$4000.00} 13.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle recently put in place a check for people before they send money to ensure theyre sending to the right person. In years past, XXXX, I have used Zelle and have sent it to the wrong person because Zelle did not provide a check point to check if you were sending to the right person. And they did not help me solve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not included the following statement on my report. 
. 
XX/XX/XXXX/account number XXXX. 

They have misrepresented the facts. Only after complaint to CFPB have they been sending regularly the statements to keep me in the loop. This should not be a derogatory mark on my record.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # 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

I co-signed my son XXXX XXXX 's private student loan with XXXX XXXX, during Covid-19 we assume that XXXX XXXX  loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted XXXX via email with the pay to delete offer and I received response back from XXXX XXXX on XX/XX/2023 that account has been charged off to XXXX now. Proof enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to XXXX XXXX to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact XXXX XXXX to remove negative reporting of credit bureau specially Transunion and I have not been able to receive any response.
Product: Mortgage

On XX/XX/XXXX I applied to refinance my mortgage Quicken Loans and requested cash out to consolidate debt. I informed the loan officer that I wanted to stay at or below 70 % LTV. The loan officer provided an estimated home value of {$87000.00} and created a Loan Estimate based on this amount. This would provided me with approximately {$60000.00} for debt consolidation, and home improvements. 

I was required to pay {$500.00} for the appraisal up front, using their affiliate. The appraiser used inappropriate comps and valued our house at {$820000.00}. I subsequently received a new loan estimate with a {$5000.00} increase in closing costs due to the LTV now being over 70 %. 

I disputed the appraisal to no avail. She continued to use a home vacant for nearly a decade, and a house that is currently being gutted as a comp to our updated, move in ready home. There was also a slight discrepancy in square footage. I showed them other comps, and the appraisal value in XXXX, but they did not take either into consideration. 

I told Quicken I was going to pull the application, but they tried to convince me not to cancel since I had already invested so much time and money out of pocket. I told them that I was not willing to pay the additional closing costs. They then sent me an updated Loan Estimate with a cash out estimate of $ XXXX far less than what was originally presented, or what we needed. My options were to pay the extra {$5000.00} to get the money out that I needed, or settle for less. 

I have since cancelled my application, though I don't know if they have yet, because I am still getting notifications and requests.