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 Account Number : XXXX Account Name : DPT EDXXXX 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 antedate
s 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother passed away on XX/XX/2021. She left everything to me in her will and made me her executor. I had cancelled a purchase for XXXX. But XXXX put it back on the card ending in XXXX when they weren't supposed to. Navy federal is refusing to let me have my money back since it's in my mother 's account. My mother left me in charge of her estate and checking account after she passed away.
Product: Credit reporting or other personal consumer reports

I had applied for XXXX XXXX credit card through Capital One, to start my XXXX. This was a Sparks Credit Card for those who have fair credit and are starting to XXXX XXXX. I applied within second, I received a denial letter from Capital One stating I was not qualified and 4 points deduction from my other credit bureau. I downloaded the letter and to my surprise it was false information written on the letter. 
1. They stated I had several delinquent accounts- I do not have any delinquent accounts.

2. They stated I do not have a credit card history- I own 2 credit cards ; with Capital One I have kept in good standard ( 1-for 2ys no delayed or missed payments ) ( 2-Bj Capital One- 1 year in good standard ) 3. They stated I had several Derogatory Obligation and remarks, and I do not have any at all. 
4. They stated I had a credit score of XXXX my credit score with Capital One 's Credit Wise I uses with them to monitor my credit is XXXX. 
This was too much of false information which led me to believe of XXXX Discrimination at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/XXXX was an account summary that did not include my written consent to do business with this company. I then submitted a notice to XXXX, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and XXXX are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX/XXXX  for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX balance XXXX.
Product: Checking or savings account

Good evening, My name is XXXX XXXX. My father passed away this year due to XXXX XXXX. Before he passed away, he told me he put all his money in Bank of America and named 3 people as POD. I was one of them. The other two people are my mother and my brother. I am a US citizen but XXXX XXXX XXXX XXXX XXXX XXXX So Bank of America has been trying their best to deny my family my fathers money. I have tried multiple times to work with the bank to get the funds for my family. I have even spent thousands of dollars trying to get the document they wanted. After I provided them with everything they wanted multiple times, they still are refusing to give my family the funds by creating fake requirements. I have submitted a Full POA that has been verified and authenticated by the XXXXXXXX XXXX, the American embassy and the state department. They just refused to give us our fathers money again. There is no one else. My father was only married to one person and he only has XXXX  children. I have the marriage license and birth certificate for both children named as POD. This seemed like an open and shut case. I believe this discrimination happened because of my race and because of the fact that my family doesnt have strong legal representation in the United States XXXX As crazy as it sounds, I am asking for help to obtain my fathers funds that are being held by Bank of America. Just for information, I have already complained to multiple parties within Bank of America and my complaints were documented and sent up the chain of command but still nothing changed. The amount in question is not a small amount, at least not for my family. I have bills adding up and my family needs the money back home. It is not fair that father worked all his life and was loyal customer of Bank of America, just for them to treat his family disrespectfully in this hard time. 

Pleas help Thank you for listening Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account : XXXX XXXX XXXX. account XXXX Regarding XXXX XXXX there was not an unpaid balance. It was paid in full. Please review correctly. I have my bank and deduction to this company. Stop reporting inaccurate information. Its also being labeled as a CHARGE OFF. since this is so as per 15 USC code 1692b acquisition of location information. This is hurting my credit report severely. I never gave written consent to have this information reported. Stop closing my cases stating it matches the previous ones when nothing absolutely is being done. Regarding XXXX THIS ACCOUNT is over 7yrs old and still haunting me. 15 USC CODE 1681b permissible purpose consumer reports clearly violates my rights. Please please please. Delete this negative account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
Product: Debt collection

Subject : Request for Debt Validation Pursuant to the FDCPA Dear Ideal Collection Agency, I am writing in response to your recent communication regarding an alleged debt you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt to ensure its validity.

Please provide the following documentation : 1. The exact amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A copy of any agreement bearing my signature that demonstrates my liability for the debt ; 4. Verification of the debt or a copy of any judgment ; and 5. Proof that you, Ideal Collection XXXX, are legally authorized to collect on this debt. 



Until you provide the above documentation to verify the debt, you are legally prohibited from : Continuing collection activities, including phone calls and written communication ; Reporting the debt to any credit reporting agencies ; Initiating any legal action regarding this debt. 



Demand for Immediate Action : 1. Cease All Collection Activity : You are required to immediately halt all collection efforts, including phone calls, written communication, or credit reporting, until the requested documentation is provided.

2. Provide Debt Validation : Within 30 days, you must submit the legally required validation of this debt. Failure to do so will result in formal complaints filed with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Failure to comply with these legal obligations may result in my pursuing legal action against Ideal Collection XXXX for attempting to collect an unverified debt, as well as damages for violations of my rights under the FDCPA. 



If this alleged debt can not be validated within the time prescribed by law, I will consider the matter closed and will request that all references to this alleged debt be removed from any credit reporting agencies. 



Thank you for your prompt attention to this matter. All future correspondence must be in writing and sent to the address listed above. 

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

I filed a dispute of inaccurate info for Bankruptcy on my credit file. I received a response letter indicating that it was verified. 

I decided to write the court directly ( see attached ) and received a response from the court clerk who verified there is no case information with my name. 

So who can credit bureau verify this bankruptcy if the court doesn't show a case in my name? 

This is causing me financial hardship, anxiety, stress, time, etc. 

I am requesting a final time for this to be removed from my credit file. 
If not I will have no other recourse to sent intent to sue. 

any assistance would be greatly appreciated. ( Please see attached letter from the original furnisher ( the court clerk ) thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have called Equifax several times to remove any hold on our account that could be preventing the lender from pulling our credit. We are trying to get a home mortage and every time the lender tries to pull our credit it always have a block. The message they are getting when they pull my credit is " credit reported fraudulent by consumer ''. The first time the lender tried to pull our credit it was a freeze preventing them now the freeze is removed and I don't know what else is blocking the lender from seeing my credit score from equifax. We've fax proof of identity several times to equifax. Please help and send some feedback on what we can do to get this issue fixed for good.
Product: Mortgage

On XX/XX/2019 we were informed via letter that our escrow account was short. And that we would have to pay {$1300.00} by XXXX or our monthly mortgage payment would go up. In the letter there was a summery of our payment history and projections. We only pay Hazard Ins, Water/Sewer and County Tax. On the projection page they had a charge I was not familiar with, Ground Rent for {$1300.00}. When I called PHH Mortgage and questioned them about the new charge no one seemed to know what it was for and recommended I call my County Tax Assessor. The County Tax Assessor confirmed that the charge for Ground Rent was not correct and they had never seen a Mortgage company charge for that before. I called PHH back again to see if I could get more info on the charge and they said there is nothing they can do, and I should get an attorney. 
Im getting bullied by my mortgage company and there seems that there is nothing I can do but pay an attorney and sue them! 

***RESPA Section 10 violation for sure!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate credit inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I provide consent or a signed authorization for these inquiries to be made. 
I first became aware of these unauthorized inquiries on XX/XX/year>, upon reviewing my credit report from [ credit bureau ( s ), e.g., Experian, XXXX, XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permitted to appear on their credit report. These inquiries are harming my credit score and potentially exposing me to further fraudulent activity. 
The reason I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) is because I have exhausted efforts to resolve this matter directly with the credit bureaus and/or creditors involved. Despite my attempts to dispute these inquiries through the proper channels, the issue remains unresolved, and the unauthorized inquiries continue to negatively impact my credit report and overall financial health. I am seeking the CFPBs assistance to ensure my rights as a consumer are upheld, and the unauthorized inquiries are properly investigated and removed.
Product: Bank account or service

My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Bank of America 's blatant disregard for the importance of my claim. Bank of America had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Bank of America to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Bank of America and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Bank of America has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.
Product: Debt collection

This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute. 
I do not feel this is fair. I pay my bills when they are presented to me.
Product: Credit reporting or other personal consumer reports

Found out there are unauthorized companies reporting inaccurate information regarding Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am contacting you this time to get back the balance in my account ( {$610.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!
Product: Student loan

The Department of education as well as to Mohela, my student loan servicer. Many others have had the same scenario with both Department of Education as well as Mohela with payment counts not being updated. No transparency with student loan forgiveness, which was promised as rightfully due after committing XXXX payments or 10 years of public service and depending on student loan repayment. I am in a standard repayment plan 10 years of public service for a nonprofit working full-time. All criteria met. They have not updated my payment account. I am now an overpayment. Mohela will not respond or answer any questions or assist. Department of Education will not answer complaints or provide guidance as to why my payment accounts are not being updated. I am now an overpayment since XXXX with no assistance from either.
Product: Credit card or prepaid card

Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks
Product: Credit card

I opened this account on XX/XX/XXXX. It has always been set up as a recurring, automatic payment. Ive never been late on this payment. Ive not changed banks and I have never changed the payments as they were set up to be debited from my account monthly until it was paid off. Then in XXXX and XX/XX/XXXX, I was called by the Preferred Credit and told that my account was past due. I said how can that be since I set it up to be recurring monthly. I said its been taken out of my account every month, even the month prior in XXXX. I was told that my account information did mot match what was on file and I said but nothing has changed and I did not change my account information. I find out in XXXX that it was reported as delinquent on my credit report. But my account that did not match was able to be put back on recurring payments. Ive disputed this with Preferred Credit Inc and I get nowhere.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated credit report, I observed seventeen ( 17 ) credit inquiries presented by your agency that I deem problematic. I have reached out to the corresponding companies to request the removal of these inquiries from their records and the deletion of any associated information with all credit reporting agencies. These companies assured me of their compliance and commitment to take the necessary actions to address the issue. Additionally, I had previously communicated with your agency to ensure the resolution of these matters. However, it appears that the requested removals have not been executed. I kindly request the immediate removal of the specified inquiries listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I request these inquiries be removed promptly, as I plan to apply for a home mortgage shortly and aim to ensure my credit score accurately reflects my creditworthiness. I anticipate a comprehensive update on your removal procedures within a 30-day period and look forward to the swift rectification of this issue.
Product: Checking or savings account

i have closed my wells fargo checking and saving account on XX/XX/2020 then i got letter on XX/XX/2020 from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX it said you have bounce check check # XXXX date post on XX/XX/2020 and said please paid {$5.00} amount and also bounce fee is {$30.00} make check to XXXX  amount {$35.00} I never wrote check so i wen to XXXX XXXX police dept file police report as i have police cases number # XXXX I got call from XXXX  said if you dont pay we will freeze all your account i feel they theat me i keep tell them XXXX   XXXX  in XXXX XXXX closed down store 5 year ago