23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP failure to enforce under 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily  harm to date.Experian and its Sr. Gen. Counsel XXXX XXXX failure to respond or redress consumer complaints via by XX/XX/XXXX Complaint # XXXX ; XXXX shown ( CRA ) acting futherance in non-compliance in meeting CFBP deadline on XX/XX/XXXX. The non-answering of complaint with detailed statements and facts the steps have taken to redress my complaint timely. Again ;  Experian and its Sr. Gen. Counsel XXXX XXXX again shown CFBP failed to respond or redress consumer complaints via by XX/XX/XXXX complaint # XXXX ; XXXX ; XXXX. 

Experian Counsel Mr. XXXX sent me via email the ( CRA ) found 2 disclosures that fall during the time period Experian have inaccurately reported the public record. The time period of possible inaccuracy is the date from when it was dismissed, XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. 

Experian admonition having falselyreported the inaccurate or erroneous false judgment as public record on my credit report from time period ; XXXX, through or during XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. Current to date erroneous civil judgment is past 7 year statue, shown since XXXX was falsely opened and shall remain until XXXX is in violation 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily harm to date.
Product: Credit card or prepaid card

I applied for an XXXX XXXX account with XXXX XXXX in late XXXX. At some point, without my knowledge or consent, I was signed up by Synchrony into a Card Security service, which charged my account a percentage of the balance due each month as a fee on top of other balance owed. 

I discovered that I had been enrolled into this service in XX/XX/XXXX. The charge had been applied on all card statements available to me going back as far as statements were available online ( only going back one year for Synchrony, for some reason ). On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card Security fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card Security moving forward and that I would be refunded all charges related to Card Security as I had not authorized that service be applied to my account. 

A month later those charges have not been refunded from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from XXXX XXXX indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password.

Equifax Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disputed the account and asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the accounts. All they said was that the account was confirmed as accurate. They provided no proof and didn't update anything. 

TARGET/TD Credit Card with account # XXXX
Product: Vehicle loan or lease

Good Evening in accordance with the Fair Trade Act, the account ; Ally Financial : XXXX - has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX and XX/XX/2019 showing on XXXX card as being late. Contacted XXXX XXXX where card was sold to in XX/XX/2019 and was informed I needed to contact XXXX XXXX. When I reached out to them they informed me they no longer service the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 


15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX 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

On the date of XX/XX/2024 my fianc and I went into XXXX XXXX XXXX XXXX XXXXXXXX to hopefully trade in our car and get a new one. I specifically asked for my and my fianc to not have pur credit ran at more then our bank, the seller agreed to this. 

Long story short they ran out reports several times while we were there with out our consent or signatures. This breaks multiple consumer laws under title 15. 

There are violations for this matter, and what about the effect it has now had on my credit score now I am not able to get approved anyways else.
Product: Checking or savings account

Ive been calling Santander bank since XXXX of 2023 on the status of the {$2200.00} that was in my account when they closed my checking account. Since then they claim theyve mailed out a check of my balance but I never received it! I even stressed this because I was moving in XXXX and in XXXX I gave them my new address yet I still havent received funds till this day. Its been 9 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX  XXXX, has violated my rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report and XXXX letter to Equifax on XX/XX/XXXX requesting to remove the following inquiry : - Bank Name : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX It was received on XX/XX/XXXX. They told me to file another report with the name of the bank that removed the inquiry. This information is already in my FTC report submitted online. It is also included in my XXXX letter, attached. The inquiries listed in the FTC report are not included in the printout at the end under any circumstance because there is not a field for it. They refused to remove them for this reason, which doesn't make any sense.
Product: Credit reporting or other personal consumer reports

I know that EQUIFAX has been sued for not properly investigating and for providing inaccurate information on the credit reports. This is another negligence of duties on the side of EQUIFAX for not properly doing the investigation and of reporting accurate information in the credit reports. This time EQUIFAX allowed these unauthorized inquiries to continue to report in my credit reports, which should be blocked and removed since I never give any permission that these companies will access my credit reports. I have included my FTC report to support this complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which Experian, XXXX, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )
Product: Debt collection

I am contacting you regarding some fraudulent accounts appearing in my credit file. 
I have recently become a victim of identity theft. MY PASSPORT and wallet and pertinent files were lost in the airport upon moving cross country. Once I noticed the account was placed on my account I immediately contacted the credit with several attempts to validate the debt. I have filed FTC identity theft report as weak.. The accounts in question are : 11 XXXX obtained by a credit collector ( XXXX XXXX XXXX ) - {$260.00} filed XX/XX/XXXX AND XXXX XXXX XXXX - ( XXXX-XXXX  ) - {$220.00} XX/XX/XXXX these are not my accounts. Please remove these items from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called Bank of America inquiring about money owed to me. There was a balance overpaid on my credit card. Due to the archaic accounting system implemented by Bank of America. 

Because of this system I called in to close my credit card, probably about two weeks prior to XX/XX/XXXX, the exact date, I am unsure. The customer service representative stated that I was owed XXXX cents. 

When I called back on XX/XX/XXXX I was told I was only owed XXXX dollars. In which I have not received either of them. I have requested that Bank of America review my calls and tell me what is going on. Yesterday I received a check for {$56.00} which is nowhere close to the amount that is owed to me. 

I am not sure what is going on with Bank of America and it seems as though the overseas outsourced customer service representatives have no idea how to help me nor give me the correct information. 

I am formally requesting that Bank of America disclose the following to me along with the correct payments. 
1. Refund amount of my XXXX  XXXX XXXX XXXX annual fee.

2. The over payment amount that was made to the business card.

Please send these two checks to me along with a letter stating what they are for. Receiving random checks in the mail from Bank of America does not explain anything. Any other previous checks have not been cashed and can be cancelled so that the correct amounts are disclosed and issued to me. 

Bank of America has removed my XXXX  XXXX XXXX XXXX from my online account so I am unable to verify amounts or statements.
Product: Credit card or prepaid card

On XX/XX/2020, I was attempting to purchase a computer at XXXX on my Apple Card. The purchase was declined. I talked with multiple representatives at Apple/Goldman Sachs ( the underwriter for the card ), but was unable to use the card, even though the purchase was well below my limit. The credit card rep could not give a reason as to why the purchase would not work. I ended up using another card after spending about 50 minutes on the phone with the credit card company trying to get the issue resolved.
Product: Student loan

Submitted my XXXX form in XX/XX/XXXX, counts updated to XXXX, on both sequences, XX/XX/XXXX. I had XXXX sequences, and XXXX, the smaller one, XXXX, was forgiven on XX/XX/XXXX. Called Mohela at that time, they were servicing the loans, and they told me to wait 90 days. Called again after 90 days, they told me they are no longer responsible for the forgiveness and to call XXXX. Called XXXX multiple times , was told that there is nothing to worry about, and loans will update to XXXX ( which they have been since XX/XX/XXXX ) and my case would be reviewed, to wait until XX/XX/XXXX and they would be forgiven ( the case for this call was XXXX, I did not get the case numbers for the other calls, as I was optimistic about the process. ) Called Mohela and they told me that I would not have to make the XX/XX/XXXX payment. Mohela now sent me a bill for XX/XX/XXXX, when calling them, they are stating that they do not have confirmation that I've made XXXX payments and that forbearance would end for me in XXXX and to call XXXX to resolve the issue. Called XXXX on XX/XX/XXXX, they confirmed that I have made the XXXX payments required for forgiveness that it would take 90 days, discussed that I've been updated to XXXX payments since XX/XX/XXXX, they voiced understanding and told me that I would need to talk to Mohela again to request forbearance ( case # XXXX, I've started recording case numbers, as every time I call, the servicers are not sure what I'm talking about, and require me to retell the entire story above. ) In short, I just don't know where to go from here, XXXX tells me to speak to Mohela, and Mohela tells me to speak to XXXX. My payments are restarting XX/XX/XXXX, and neither side is willing to help me fix this, and be placed into administrative forbearance and or follow through on my loan XXXX as promised XX/XX/XXXX, to occur within XXXX.
Product: Debt collection

There account reporting from. SUNRISE CREDIT SERVICE ( Original Creditor : XXXX ) Is all ready paid and was removed a few months ago and now, this new company reporting again and i ask them remove it.
Product: Bank account or service

Since the government has now changed the rules regarding transfers of IRA 's from XXXX financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken two months to get {$87000.00} from XXXX XXXX to Synchrony Bank. It was only my irate phone call to Synchrony this morning that the money was miraculously " found ''. When we were allowed to pick up the check from XXXX institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EXPERIANXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.
Product: Debt collection

This lady XXXX XXXX has called numerous times not just me but my family members my brothers and my elderly father claiming that him and my mother are responsible for my debt if I don't pay now they're calling XXXX knows who else XXXX is claiming that she is a lawyer claiming that there will be criminal action against me if I don't pay a debt it's beyond ridiculous and it's very abusive
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Bank account or service

Citi Bank advertised in XXXX 2016 that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new Citi Bank checking account. The bonus will be rewarded within 90 days. I opened a checking account with Citi in XXXX, deposited {$15000.00} on XXXX XXXX, 2016. The bonus is supposed to be deposited into my account on XXXX XXXX, 2016. I called the bank many times, first time on XXXX XXXX, it said the issue will be handled within XXXX -XXXX hours. As of today, XXXX XXXX, the bonus {$400.00} was not there yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with 18.6 interest and the reporting it as a charge off.
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have several misrepresenting name so and addresses on my report. They just keep putting wroing info on my report
Product: Debt collection

The source of this debt, is co-insurance from a claim, being incorrectly applied. Unfortunately, I am homeless. Modifications have been made to medical debt collections, which are no longer supposed to show on credit reports, as of the coming year. When asked what will happen to this debt, as of the XXXX of the year, XXXX said that she didn't think that anyone really knew the answer to this. Please note that this debt is for less than {$100.00}. Explaining my situation, I had sent XXXX a fax. When I spoke with XXXX, she said she had not received XXXX. However, she did provide me with her e-mail address. On the XXXX of this month, I sent her a detailed e-mail. As of today, she has not replied. This is making it more difficult for me to get out of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to comenity bank requesting original documents and proof Comenity/Forever 21 account. Comenity failed to provide this information more than 6 months ago.