23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 around XXXX XXXX  A transaction of {$2000.00} XXXX # XXXX Hit my account and quickly was released. 

XXXX XXXX approved online # XXXX XXXX released me the XXXX detail and I did not recognize this transaction. I did not authorize this transaction from my device. I reported it to Chase, closed out my Debit card and reported the fraudulent transaction. XXXX also had security surveillance in which police of XXXX was able to investigate. The Incident Report number is XXXX. I believe the debit card was cloned or copied without stealing the physical card. Its a process in which thieves use to copy personal information onto a new card or reformatted card allowing criminals to use it to make fraudulent purchases or gain access to a persons account. I was denied by chase protection and refund credit towards my funds. I did not have any fault in the crime. I demand my funds returned. I don't shop in the XXXX at XXXX, FL it is far away from my residence and I would not purchase this much groceries when I have a XXXX membership. Additionally, Security witnessed it was not me on camera!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 for any purpose, unle
ss the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear XXXX Credit Bureau, I am writing to follow-up on correspondence report number XXXX regarding my consumer credit profile. As stated in my previous letter, there is incorrect information reporting on my credit profile due to identity theft. As requested, I have attached all necessary documents to prove that I was a victim of identity theft. I have also included a statement of fact with further information and documentation to support my claim. I received a response from your bureau stating that my documentation was not accepted for the dispute. However, I assure you that the attached documents are legitimate and clearly show that I am a victim of identity theft. I ask that you please remove the disputed account from my credit profile immediately. It is important that my credit profile accurately reflects my financial history and any fraudulent information should not be included. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the disputed account from my credit profile. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the date of last service are reporting inaccurate on the accounts, this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on the credit report with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandate that the three credit bureaus confirm these details ( XXXX  ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. 

THEY HAVE ALL VIOLATED MY RIGHTS INQUIRER NAME AND DATE XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/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  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit card

bank of america refuses to remove there error on my credit card for {$1100.00} after i disputed fraudulent payments made to my account. its clearly their error when i call them they tranfer me from department to department and no one seems to be able to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Could not get in touch with a XXXX XXXX representative. Called XXXX and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file suit : violation of the FCRA Notice XXXX XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named XXXX, Equifax, and XXXX, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from LVNV Funding LLC with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with LVNV Funding LLC which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from LVNV Funding LLC to cease and for this account to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX  XXXX account is not update on my credit reports it hurting my credit
Product: Debt collection

I had already paid XXXX off 2 years ago and they claim I never did. I have submitted countless items of proof and they keep sending me to collections. Very unethical company.
Product: Mortgage

On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018.

On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX  consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX.

As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.
Product: Prepaid card

I added money on XXXX/XXXX/15 and the money is still not available. When I call customer service it says my card has not been activated when in fact it has. I still do not have my money an its XXXX/XXXX/15 and NO ONE ANSWERS CUSTOMER SERVICE #
Product: Credit card

Capital one was involved in a data breach and my info was compromised. I had no idea there was lawsuit and payments were sent out to members. If it was not for social media I would not have had any idea to inquire. Reached out last week and spoke with a representative by the name of XXXX on their toll free # XXXX. Was advised that I was a class member and that I was eligible for the settlement but I never responded to an email that was sent to me. I never received an email from them or anything in the mail either. So needless to say there was nothing I could do and it was too late. But my info has been used numerous times because of this data breach for people to Open up bank accounts in my name using my ss # and address. They did not notify their customers properly and I am Not the only one who was not notified either. To me it seems pretty obvious and clear they did not want all of their members to know about the pay out.
Product: Student loan

On XX/XX/XXXX I submitted form 1845-0110 Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification and Application ( file attached ) to MOHELA, my current student loan servicer. I expected to hear back from them in XXXX days. On their website my application shows a status of " Processed '' and that they received my application on XX/XX/XXXX. On XX/XX/XXXX I called their PSLF customer service line, and after XXXX minutes on hold, I was told that my application was denied because of " missing borrower signature ''. As you will see, my signature is clearly present in the submitted application. Further frustrating, is if they were denying my application for a mistake on the submitted form, why wouldn't they contact me to let me know that my application was denied? After further conversation with the trainee assigned to assist me, he tells me that I need to submit an identical copy of the cover sheet with section XXXX and section XXXX to go along with each section XXXX and section XXXX. I was assured that this would solve my problem. I will be submitting this to MOHELA after I finish submitting this complaint.
Product: Checking or savings account

Went in to Bank Branch to make deposit of a check I received from my attorney for {$10000.00}. Asked teller what the hold period will be on this deposit and she ignored and went ahead and made the deposit. I requested to talk to the branch manager who told me that there would be a hold on this check but never mentioned the number of business days this hold will last. The check was deposited on XX/XX/2020 at XXXX. As of today XX/XX/2020 there is still a hold on my funds which are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Delete this account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX : Intent to file suit : violation of the FCRA I have sent 50 previous letters to XXXX XXXX  XXXX, FBCS all by certified mail ( copies of receipts enclosed ) requesting that XXXX XXXX  and FBCS remove inaccurate information from my file, and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that XXXX XXXX  XXXX and FBCS has violated the Fair Credit Reporting Act by ignoring my requests to investigate the accused debt of {$1400.00} dollars. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt XXXX XXXX  XXXX, and FBCS to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX MI, for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am aware of my rights under the FCRA and intend to pursue them to the maximum I appreciate your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is purposely not updating my XXXX XXXX account which is keeping my credit score extremely low. The last update was XX/XX/22 and they are stating on their website my credit score will not update again until XX/XX/22. This inaccurate information is causing me financial harm.