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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

EQUIFAX- WILL NOT GIVE ANY INFORMATION ABOUT MY REPORT TO ME.
Product: Debt collection

XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX  report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX  balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Product: Mortgage

This complaint is a follow up to a recent complaint filed against Truist with complaint ID # XXXX. 
I received a letter from Truist Bank dated XXXX XXXX XXXX, regarding the above complaint. After reading the letter, it is quite obvious that an honest mistake was made when selecting the source account to make the payment. According to the Banks investigation, the account I selected to make the payment was not my usuaXXXX XXXX  account, but my Truist checking account with has only had about {$200.00} for months, and which I never use. What seems surprising to me is that the bank which clearly knows I have only {$200.00} dollars in the selected account allows me to draft a $ XXXX payment and goes through and gives me a payment confirmation. What is even more concerning and frustrating is that upon review of all this, the bank is unwilling to view this as an honest mistake facilitated by what can only be characterized as a poor payment system interface and backend. Furthermore, in the supporting materials the bank sent me copies of, it includes an overdraft card I never received and payment relief information which I did not require, as I did have sufficient funds to make the payment and made it as soon as I was aware that the payment did not go through. 
I called the Truist Customer Advocacy number listed on the letter ( XX/XX/ ), the same day I received it to make the above concerns known to the bank and request they reconsider. I asked to speak to the person in charge who signed the letter I received from Truist after my CFPB complaint, and I was told I could not speak to her directly but that they would pass it along. It has now been two weeks since then, and I have not received any follow up calls or correspondence from the bank. 
I feel that this was a bank error caused by a poor online banking interface that compounds the months of difficulties I have had using their bank to pay a HELOC I also have with Truist, because of glitches following the mergers of BB & T ( my original mortgage bank ) and Sun Trust. I have made multiple complaints about delayed payments and other issues on that HELOC that should be well documented in their system. The response stated that the derogatory credit report could not be removed unless it is a bank error, which I believe this is as the website and interface resulted in payment being drafted from an account the bank knew to have insufficient funds. 
I again respectfully request that the derogatory remark be removed from my credit report, as in this case the bank should not have allowed me to pay from a checking account in their own bank they know to have insufficient funds and still generate a payment confirmation. I made an honest mistake in clicking the wrong account, but it should not have allowed it to proceed and generate a payment confirmation. I now am stuck with a major negative credit report for years to come, and it is not reflective in the least of my ability to pay as the funds were clearly there.
Product: Debt collection

Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from them.
Product: Checking or savings account

I have been trying for weeks to get my account in order. PNC bank is ruing my credit and causing financial harm to my credit and family!!!! I was hung up on and denied my account information for over a week. I have been denied a loan because of the inability of the bank to provide needed docs for me to complete the loan process. I am suffering from from every angle. They have XXXX managed funds in my account my account is all over the place. I can not get access to my account as need or deposit or pay bills in time due to this bank! I did not ask for this buyout from bbva to pnc. I am suffering financial i loss and this is a huge injustice! I am a single parent they are taking from my family and causing harm that is unwarranted and would not have happened to me of my account was not interrupted by this bank transition. I need help Im looking for legal representation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently there has been a miscommunication regarding the status of active litigation between myself and Bank of America. To the best of my knowledge, there is no active litigation, mediation or arbitration between myself and Bank of America. Bank of America has not provided a case number for any active adversarial legal proceedings between myself and Bank of America that would necessitate the referral of this matter to their legal counsel. There is however a Notice of Error Case No. XXXX dated XX/XX/XXXX and XX/XX/XXXX ( attached ) that is still pending. As entitled by law, I requested a concise written explanation and all documents utilized by Bank of America to make its determination as to the first date of delinquency on my loan. To date I have not received an adequate response to my inquiry.
Product: Mortgage

My mortgage account was paid in full with Mr. Cooper in XX/XX/XXXX. I never received a paid in full letter or a copy of the Satisfaction of Mortgage. I requested this information from them in XX/XX/XXXX and it was never provided.
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 account # XXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXXXXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 section 602 A. States I have the Rights to privacy.

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any 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. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A
) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

All of which has been Violated
Product: Credit card or prepaid card

Synchrony bank keeps lowering my credit limit on my accounts so that it appears that I am over my limit or close to my credit limit therefore lowering my credit score. This keeps happening repeatedly and its ruining my credit score. They are responsible for this and I will pursue legal action if this isnt looked into. I have read numerous complaints on line from other consumers this is happening too. 
Example of this issue is I had a {$1200.00} limit on a Walmart credit card, I rarely use the card. I used it and had XXXX on the card and the next month I got a letter in the mail saying my credit limit was lowered to {$500.00} I did not use the card any further and continued to make on time payments on it. I got the balance below XXXX and then they further lowered my credit to XXXX As I pay the card down they keep lowering my limit thus appearing as though my card is almost maxed out. 
Did the same thing with a XXXX XXXX Credit Card, limit went from XXXX to XXXX, to XXXX after I used the card one time and made purchase for {$120.00} Upon paying off the balance they then lowered my limit to {$150.00} I have cut the card and thrown it out as I can not be bothered with this bank. They keep buying out other credit card companies and are managing the majority of store accounts. 
They need to be investigated because they are ruining peoples credit and this practice seems unethical.
Product: Debt collection

XXXX placed LVNV FUNDING LLC collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing LVNV FUNDING LLC to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Bank account or service

My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022 and a 30 day late payment posted in XX/XX/2022. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

RE : Violation of XXXX Code Law ( XXXX  XXXX XXXX Code XXXX ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate XXXX XXXX Code XXXX ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section XXXX ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( XXXX ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. 
( XXXX ) XXXX XXXX : There is a computation error or similar accounting error on the creditors statement. 
Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of XXXX XXXX CODE XXXX. It was never too late, so delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to pay as agreed, or DELETE it entirely from my report.
Product: Vehicle loan or lease

I wanted to borrow $ XXXX from my bank ( XXXX ). 
I was rejected because the XXXX  at Experian said " Ratio of balance to limit on bank revolving or other rev accounts too high Too few accounts currently paid as agreed Proportion of loan balances to loan amounts is too high Length of time accounts have been established ''. 
This is XXXX. I have $ XXXX in the XXXX account and my credit score is over XXXX. It is impossible to get someone from Experian on the phone. Experian is discriminating against me because of my age.
Product: Debt collection

I have an unverified account from BERKS CC. I had previously disputed this account. I have never done business with BERKS CC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BERKS CC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BERKS CC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows .... 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and  Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. 

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. 
Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Product: Bank account or service

Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.