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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. 

Account name  : XXXXXXXX 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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX, XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.
Product: Credit reporting or other personal consumer reports

personal information incorrect. 

wrong address and names.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.
Product: Prepaid card

Amex gift card awarded for job sales competition. This is a basic digital only card #. I have tried using this as XXXX, XXXX, XXXX, XXXX, and a couple others. ALL rejected. I have contacted Amex gift card customer service where it seems they do not understand anything about their own gift cards.They offered no solution and told me to keep trying other stores. This is not a valid solution. Total card value is {$1500.00}. Their website says they are accepted virtually anywhere Amex is accepted. This is a complete LIE. They need to be held accountable for this practice. The solution is to provide a REAL gift card where users can attach their name/address so that when retailers try to security check them they pass. Do not simply refund the gift card as this was not purchased directly by me.
Product: Credit reporting or other personal consumer reports

No access to my credit report I have sent multiple requests to access my credit report, and your company stated did not provide correct information, in which I have provided accurate and updated information from Identity Theft. gov. I have attached Police report, XXXX police report is not signed it has to be approved city of XXXX, and then it gets email to you. I have provided my Driver License and proof of a bill statement, which is more than sufficient enough, and you continue to illegally not allow me access to my credit report as I provided you with accurate information, filling a police report is illegal. I need access to my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several errors related to late payments. These discrepancies do not reflect my typical payment history. Please update my account to correct these mistakes. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my Equifax, XXXX, and XXXX consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, Equifax reports 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX, Equifax reports 60 days past due while XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX, Equifax reports OK while XXXX and XXXX are reporting 60 days past due ; XX/XX/XXXX Equifax is reporting 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX Equifax is reporting 60 days past due and XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX Equifax is reporting 90 days past due, and XXXX and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is Equifax still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and Equifax, as well as XXXX and XXXX are inconsistent and not following these laws.
Product: Credit card or prepaid card

Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card. 

But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that. 

Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations. 

Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address. 
Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected. 

As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.
Product: Student loan

Good Afternoon, I received a call from a collection agency saying my student loans from Navient is in collection. I found this odd since I have been making payments. I called Navient and they said I havent been making payments since XXXX. I told them I have proof and on the website, it clearly states I have been making payments. My last one was in XXXX. I called Navient and the agent sent a number to call to send in my proof of payments. The number is a fax machine. I do not own a fax. Unable to get through to Navient.
Product: Credit reporting or other personal consumer reports

Fraudulent XXXX accounts were opened in my name as well as a XXXX XXXX XXXX loan. 

The amount for XXXX XXXX is {$7100.00}. I have spoked to XXXX and provided them with a police report on XX/XX/XXXX. Ive emailed several emails back and forth between me and XXXX and they assured me they would rectify this situation by removing the debt. 

A XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX loan was opened in my name in XXXX of XXXX for {$7000.00}. This too is a fraudulent account.
Product: Payday loan, title loan, or personal loan

I called paypal XX/XX/ to update my contact information for my paypal credit line as I was unable to do so online. I then found out by a representative that someone had previously called in impersonating me and updated my information. They changed my phone number, email address, and physical mailing address. I informed them I was recently a victim of identify theft and my mail was stolen out of the mail box to include my birth certificate, VA letters containing my SSN, paypal account details/monthly bill, and possibly other items. They made the changes to the account but were not able to release from what number they called or when they updated the information.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX of XX/XX/2023 I saw an email from Wells Fargo bank saying that there has been an attempt on the XXXX of XXXX to withdraw money from my checking account using my debit card in the amount of {$5000.00} at XXXX XXXX but the e-mail said that the transaction had been declined I look it at my account online and discovered that there was also a {$2000.00} purchase made in California on the same day. I immediately called the fraud department of the Wells Fargo and they told me the account would be locked up. The next morning I went to a Wells Fargo branch and file a formal written complaint about my card being used for an unauthorized withdraw of {$5000.00} and a purchase of {$2000.00} after a few days we called the fraud claim department and they informing me that my claim had been denied so then Ive added more documentation and information to open an appeal. About a week and a half later they informed me that they had declined the claim. While I was in the branch office, they asked me about a phone number that had been utilized to make a transfer on my account and I told them I did not recognize the number they also issued me a new debit card on the date I did the formal complaint.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has tried to apply for credit card and auto loan accounts using my social security number and personal information.
Product: Credit reporting or other personal consumer reports

I would like to remove the follow inquiry from my credit report. 

upgrade XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined my credit report and found several inaccuracies. The late payments reported do not reflect my usual payment patterns. I request that you correct these errors and update my account.
Product: Credit card or prepaid card

All my accounts with Chase Card Services got shut down without prior notice. I attempted to use one of my cards with a credit line of about {$500.00} and the charge was declined. So I logged onto my account and discovered that all my accounts had been shut down. My credit score is excellent, I have credit history for over 30 years and my payment history is at 100 % positive. I find it hard to believe that I am a " credit risk '' that all my cards get shut down like this.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In XX/XX/2019, I had submitted a complaint to all CRA 's ( Equifax, XXXX and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX - XXXX/XXXXXXXX {$590.00} ( I provided documentation the supports this account was opened fraudulently ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$770.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX  XX/XX/year> {$790.00} ( requested account validation ) XXXX - XX/XX/year> {$1600.00} ( requested account validation ) XXXX XXXX XXXX - XX/XX/year> {$3100.00} ( requested account validation ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( requested account validation and signed contract, document provided is not my signature or correct address, it was computer generated )
Product: Mortgage

I own XXXX properties. XXXX is my XXXX CA home where I reside and the other is my XXXX CA home which I rent to a XXXX which I own. In XXXX 2015 I began working with US Bank in XXXX, CA to refinance my XXXX home in order to pay off the mortgage on my XXXX home. At that time I owed about {$25000.00} on my XXXX home and about {$360000.00} on my XXXX home. My wife and I have exceptional credit score. My loan officer never suggested that we would have a problem securing a loan. However, I was denied the loan because I wanted to much cash out of my XXXX home. The loan officer was well aware of my intended use of the money from the casjh out from a loan on my XXXX home. I believe he should have known about bank policy regarding the limits for cash out loan. He advised me that the underwriters denied the loan which may be correct. However, I should have known about bank policy before I agreed to an appraisal which cost several XXXX dollars. I believe that the bank should reimburse me for the appraisal fee and other expenses associated with my attempt to secure this loan.
Product: Credit reporting or other personal consumer reports

My persistent efforts to correct the fraudulent, erroneous, and misleading information on my consumer report have been unsuccessful. These false entries have significantly disrupted my life, leading to substantial stress and anxiety. As a victim of identity theft, I must emphasize that I never gave permission for this information to be linked to my identity.
Product: Debt collection

I am writing to request validation of the alleged debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, I am entitled to request verification and validation of this debt. This letter serves as a formal request for the following information : Proof that you own or have been assigned this debt : Please provide a copy of the signed agreement that indicates that you have the right to collect this debt, including documentation showing that the debt was legally transferred to your agency.

Detailed accounting of the amount claimed : I request a complete breakdown of the alleged debt, including the principal amount, interest, fees, and any other charges. 

Proof that the debt is mine : Please provide documentation bearing my signature that proves I have a contractual obligation to pay the claimed amount. 

Details of the original creditor : Include the name, address, and phone number of the original creditor and any other parties to whom the debt has been transferred. 

Details of how the amount was calculated : Please explain how the amount you claim I owe has been determined and provide supporting evidence. 

Please note that if you can not validate this debt within 30 days of receiving this letter, you are required by law to cease collection efforts and remove this account from my credit report. 

Additionally, please be advised that I will record all future communications. If this debt can not be validated, I expect any and all references to this debt to be removed from my credit report immediately. 

Thank you for your cooperation. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Credit card

In XX/XX/XXXX, I submitted an online application for a Barclays credit card to take advantage of an offer to receive air miles. I was immediately advised my application needed review. In XX/XX/XXXX, I began receiving letters advising I need to send copies of my Driver License, XXXX card and a utility bill to prove my identity. On numerous occasions I sent the requested documents via fax and USPS. Each time I called to see if I received it, I was informed I was approved. However, I needed to send more documents, or the SSN card was not legible, or the utility bill needed to be for a specific service. Barclays will have record of each request and submission. I have done everything Barclays has requested I do and made numerous submissions of documents proving my identity. However, even after being advised I have been approved, on this date, XX/XX/XXXX, I was informed my application has expired, and I will need to re-apply. How is this possible while I am continuing to submit the requested documents? I was forced to go through unnecessary hoops and my application expired to deny me the rewards offered at the time of applying. After receiving letters from Barclays advising that the application expired 4 days after accepting the SSN card, I am now more convinced the application process was discriminatory and expressed this to the company. I believe having a copy of my driver 's license, which I have never had to provide for a credit card application, allowed for my race to be disclosed and caused questionable continued requests for documentation, which was provided several times and subsequently was not approved and without clear explanation as to why.