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

Back on Monday ( XX/XX/XXXX ), I was checking the total deposits with my recent paystub from my job and I noticed that I was missing money so I dug through all of my transactions and subtracted it from all of my deposits and it gave me XXXX XXXXXXXX dollars lost so I contacted Bank of America and dispute some transactions but also asking what happened to the XXXXXXXX XXXX, they decided to dispute over 50+ transactions that totaled over XXXX dollars but I knew something was wrong so I asked them again what they're disputing and they haven't really responded to it so I decided to contact them the next day. 

In middle of that night, I got an email from them saying someone tried to use my card even though it was locked and it says it's location was " BOFA XXXX XXXX '' and so I called their credit card fraud department and they don't even know either and said that I have to call again in the morning ( XX/XX/XXXX ) and cut that card so I did, later when I used the chat feature, they said it was from XXXX and I was like " XXXX? '' because I don't know that I was paying for XXXX directly because I was using the XXXX and XXXX XXXX bundle so I guess it was nothing and then I ended the chat. A few minutes later, I got a call from them because I was complaining to them on XXXX and asked them about the disputes and we went through each of them and removed them, but I asked her what's going on with the missing XXXX dollars and they said that they don't know and I was like " You don't know? '' and they told me to check the transactions and they said it should be listed and it wasn't so I said it wasn't there and it was just ridiculous and I decided to switch to XXXX on Thursday. 

Friday comes around and I already opened a new savings account and linked my BofA accounts to them and checked the budgeting tool and yep, I was right and they were indeed missing my money, specifically {$1000.00} dollars. I haven't decided to call them again because I knew I would run into the same thing so I decided to submit this claim.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there 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 shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report remain unresolved despite multiple disputes submitted to TransUnion, XXXX, and XXXX. These credit reporting agencies have failed to address the issues I raised and continue to report incorrect information that affects my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, even though it should have been removed as per FCRA guidelines.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The agencies failed to conduct a reasonable re-investigation of the disputed information and did not provide sufficient evidence to verify its accuracy.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus neglected their obligation to ensure the maximum possible accuracy of the information on my credit report, leaving unverified and inaccurate data. 

I urge the CFPB to investigate these violations and ensure the credit bureaus take corrective actions to resolve the inaccuracies and comply with the law.
Product: Debt collection

I kept receiving calls from s company called genesis. When i finally got a chance to answer their call, it was brought to my attention that i have {$2300.00} in unpaid rent at a unit that ive never lived at.
Product: Vehicle loan or lease

Mechanics Bank is reporting I have missed two payments when I have not. All payments have been made on time. They say I missed XXXX and XXXX payments. I have bank statements to show both were paid.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Info 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XX/XX/2022, I received a credit monitoring alert of a hard inquiry on my credit report from XXXX XXXX Bank. I immediately called the company but was told I would have to call back because the " team that handles this was closed for the day. '' I called again on XX/XX/2022 and the associate confirmed that someone had submitted a credit card application using my maiden name and address I left 4 years prior. She said they would immediately close the card as fraud, and it would be removed from my credit report within 30-45 days. The inquiry was still on my Transunion report after that time, so I created an account with XXXX and mailed a dispute letter to the XXXX XXXX Bank on XX/XX/2022. I received a letter from XXXX XXXX today stating that the application has been withdrawn and will not be processed further. However, the hard inquiry still appears on my Transunion credit report. XXXX XXXX Bank did not have a permissible purpose to access my credit report, and I want the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX XXXX for a test drive and soft check quote of a XXXX 2020 XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX XXXX. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from XXXX in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX  reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by XXXX. As it was now Saturday at XXXX XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with XXXX, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Account : XXXX PL # XXXX, Account : XXXX XXXX # XXXX has repeatedly violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My name is XXXX XXXX XXXX have noticed a negative balance on my credit report I call my credit bureaus and the company that place me for collections the company stated that the account is me I have try to file a police report but the precinct is giving me a round around I told them that its not me they still keep posting this negative balance on my report
Product: Debt collection

They would call nearly ever single day for th last two months consistently leaving voicemails asking to call back without leaving a motive as to why they are calling.
Product: Credit reporting or other personal consumer reports

This complaint is directed towards XXXX, XXXX, and TransUnion Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2016 this account was settled in full during the cancellation period when all equipment was returned to XXXX XXXX. The store and corporate acknowledged that account was paid in full and admitted to being in error. This new collection is also in error and should be removed permanently to remove any liability made against me.
Product: Debt collection

GREETINGS, I'm responding back to the letter I received on XXXX. You failed to send my documents in 30 days. I requested the 1099C form, so I can properly review this account to see if it's mines. By the provisions of the 15 USC section 1681i of the Fair Credit Reporting Act, these items NEED to be investigated. Please again provide me PROOF of the 1 ) Security Interest, 2 ) Full Disclosure and 3 ) Purchase agreement?

This is very serious matter your INACCURATELY and Misleadingly Reported on my Credit report, it's damaged my life.
Product: Credit card or prepaid card

I am one of the many people affected by Comenity banks " update '' in their system. This update is now going on 2 weeks. I have not been able to log in to my account online nor have i been able to reach a rep via phone. Their automatic system, when up and running, will tell me my balance. They claim we can use easy pay, but that has hung up on me, also dont trust easy pay option after reading comments online about others who have tried to use this feature and have received no confirmation of payment. This company keeps posting that they are working on it but thats about it. Sorry but a system update does not take 2 weeks.
Product: Debt collection

MIDLAND CREDIT MANAGEMEN Reported : XX/XX/XXXX - {$670.00} Closed Overview You have 100 % left to pay on this collection. 

Balance {$670.00} Highest Balance {$670.00} Opened XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Account status Closed Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Checking or savings account

I am filing a formal complaint against PNC XXXX XXXX for gross negligence, violation of federal banking regulations, and financial harm. PNC repeatedly failed to properly investigate unauthorized transactions, mishandled my accounts, and ignored my fraud alerts, leading to significant financial loss, legal repercussions, and emotional distress. Despite numerous communications, PNC did not resolve these issues, violating the Electronic Funds Transfer Act ( EFTA ), Unfair or Deceptive Acts or Practices ( UDAP ), and the Dodd-Frank Wall Street Reform Act. Please refer to the attached detailed letter for a comprehensive account of PNCs misconduct, including documented evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, XXXX and Experian. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
Product: Mortgage

Hi I'm not sure if it's too late to ask for help but back in 2012, I lost my condo in XXXX XXXX that I had for 19 years to a wrongful fforecloser! I was under a loan modification at the time that it happened and I done everything that they had asked me to and submitted everything that they asked me to and they still foreclosed on me! Then when the lawsuit happened with the five banks that were foreclosing on people I was part of that and I ended up getting I think {$1300.00} or something close to that! I still didn't get my condo back! And ever since me and my boys have been homeless and living in hotels because it messed up my credit so bad and it just devastated me mentally and I went out on stress leave and then I lost my job! So I'm not sure if there's anything that you guys can do to help me this many years later but if there is I would so appreciate any and all help! this foreclosure devastated my whole family and I had XXXX young boys at the time and now they are grown but my youngest has been in and out of jail ever since struggling with XXXX XXXX and XXXX   and I know a lot of it stemmed from losing the condo so thank you for your time and hopefully for your help have a good night
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.
Product: Debt collection

Companies placed accounts that are not mine into collections and placed them on my credit report. My information was exposed in data breach and used to open these accounts
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for loan on XX/XX/year> the company said I did and is funding an account. I never approved.