23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XXXX/XXXX/20 there was a fraudulent debit of - {$380.00} on my B of A XXXX card. I filed a claim with B of A the same day and on XXXX/XXXX/20 they replaced the stolen + {$380.00} and put it back in my account. On XX/XX/20 there was an adjustment debit made to my account for - {$380.00} from the State of XX/XX/XXXX XXXX Unemployment. I have spent over 20 hrs. on the phone with XXXX and with Bank of America neither company has an answer for me as to why this money has been taken from me or if I will be getting it back. The only answer I have gotten from B of A is that a supervisor is looking at my account and to keep calling back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, Transunion, and XXXX to investigate this and have it removed.
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, 15U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # 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 XXXXXXXX Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.
Product: Bank account or service

I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute on it.
Product: Credit reporting

I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

1681b. Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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. 


As a consumer, I am demanding a deletion of the following accounts and the deletion of the following personal information both addresses and employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These following Addresses must be deleted : 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 These employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to two disputes that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving transactions with Account Number : XXXX Original Creditor : XXXX XXXX XXXX and Account Number : XXXX Original Creditor : XXXX XXXX It saddened me to learn that Experian verified the disputed items, electing to leave them on my report when XXXX  has recently removed the XXXX  account and XXXX  has recently removed the XXXX account and are still working on disputes for me. 
I am absolutely certain that the items I disputed are incorrect and should be removed, so I advised Experian that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes. 
They have NEVER RESPONDED to this request I personally made via phone, mail, email and via their online portal over 60 days ago. And now, discriminatorily they will not allow me to dispute these items online.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

During boarding on the flight airport check-in kiosk requested to pay charges for luggage otherwise I would be denied boarding. When complained to airline ( XXXX XXXX XXXX ), the airline confirmed in the official email that the charge was a mistake since the luggage fee was included in the ticket price and my charges should be reimbursed. I tried multiple times to contact the company that made charges during check-in ( XXXX XXXX XXXX ) but received no responses. Chase credit card did not help me to reverse charges and refused to help with the dispute resolution after I faxed all necessary proofs ( letter from airline ) that charges were mistaken and I should not be charged in amount of {$150.00} on XXXX XXXX. So I was charged for a service that I did not receive. 
Please help
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( Experian, XXXX  and XXXX  ) with the messages that our credit are frozen and not available as show at the bottom of this communication. XXXX notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. 
I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the XXXX to assist - especially with Experian. We have probably 12 different numbers that we have tried with the 3 bureaus.

Working on-line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and XXXX  ). Experian doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data.

This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. 

We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. 

We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. 

Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX | WWW.EXPERIAN.COM Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate deletion and removal to rectify this violation of multiple laws. I urge you to take prompt action in removing these accounts and information from my consumer report.
Product: Credit reporting or other personal consumer reports

please be advised this is the third written request and final warning that I fully intend to pursue litigation in accordance with the fcra to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX  XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items reflecting on my credit report. It is now well over 60 days later, I still have yet to receive a response. I feel like I've been taken full advantage of and ignored of my disputes requests. Section 611 ( a ) states, failure to investigate these items within 30 days gives sufficient reasoning to immediately remove stated items from my credit report. It has been over 60 days so stated inaccurate items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused. Also my information was impacted by the Equifax Data Breach and may very well be in the hands of criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit reports on Experian, XXXX and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Product: Student loan

This complaint is about Utah Higher Education Assistance Authority ( UHEAA ) in XXXX XXXX XXXX, Utah ( XXXX ) XXXX. 

For nearly a year I have been requesting my due date be changed so I could avoid late fees. Not once have I received an answer and not once has the date been changed while they continue to collect late fees from me. 

Two-three months ago I spoke with a rep who said my requests had been denied because I have one subsidized and one unsubsidized and neither qualify. Regardless, I'm extremely frustrated that these lame excuse seems to be the reason why I can never do anything with my student loans such as consolidate or modify interest rates. 

Today, I spoke with XXXX who informed me the reason I've been denied is because my account is always delinquent when they review the account for due date change. That's even more absurd because I request the change every time ( once a month ) I make my payment. 

I want this due date changed so UHEAA can stop collecting late fees from me. This is extortion by ignoring my requests, not communicating the real reason for not changing. I want all my late fees returned to me or applied to my balance. This is stealing and I'm furious they are allowed to get away with it.
Product: Credit reporting or other personal consumer reports

My credit report has different information reporting for this account and I am not sure what is accurate. This inaccurate reporting has affected me and not allowed me to get a much need apartment to house my children.
Product: Prepaid card

From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX PM XXXX To : XXXX XXXX Subject : Re : Gift Card Dispute Form request XXXX Gift Card Dispute Form request ticket # XXXX Gift Card ( {$50.00} ) purchased on XX/XX/XXXX at XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Given as gift and when presented for use, it was declined as already used. There have reportedly been card scams at XXXX. This appears to be one. Target on duty manager refused to address this issue in house. 
Attached are documents requested in the attached pdf. 

I would appreciate a prompt refund of {$55.00}
Product: Credit reporting or other personal consumer reports

The accounts on my report are incorrect and do not belong to me. I would like them removed from my consumer report.