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 : STATE OF MI OFFICE XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 card

Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX  on XXXX XXXX Bk Chapter XXXX-dismissed XX/XX/XXXX XXXX   Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/2006 XXXX
Product: Debt collection

I have had it with your shoddy reporting practices and your inability to verify information. I have repeatedly requested that you delete the disputed account listing from my consumer file, but you have failed to comply with my requests. I demand that you immediately delete this inaccurate and incomplete report from my credit file, as is mandated by the FCRA. Despite my repeated attempts to have this issue resolved, you have failed to take any action. Your lack of action is a direct violation of the FCRA, which mandates that information reported must be accurate and complete, updated, and verifiable. I have disputed the information for the account in question through both your agency and the furnisher of information, as provided under the FCRA. However, you have failed to take any action to resolve this dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXXXXXX XXXX XXXX Balance : {$7900.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit card or prepaid card

I live in NY which is the hardest hit with COVID19 I am NOT essential personnel and have been ORDERED To remain home on quarantine. In this time I have been unable to work whatsoever and all money is to survive and buy basics until we are allowed to work again. I have tried to contact Capital One since this whole thing has occurred. For WEEKS not days but WEEKS when ANY number on the email or back of card is called it would just explain that the call volume is too high and would just hang up. I sent emails as well LONG before my payment was due. Now I am STILL expected to pay minimal payments for the month and the only help this company is willing to offer now that they are destroying my good credit with lates being reported to the credit agencies as I have been told by Capital One staff today since I was finally able to get through. My Issue is that being under a governmental state of emergency with no income how exactly does Capital One expect anyone to pay their bill when ALL other companies offer programs to postpone these things? They are RUDE and the so called management I spoke to explains that you can not speak to her boss. So I asked " Are you as high up in Capital One I can talk to? '' and she said " YES '' that I am unable to speak to anyone higher. So I explained with that rationale then is there anything more we can come up with to help in these hard times? And I was told NO. Capital One is a TERRIBLE company with no care for anyone else no matter what is going on in the world and I am registering my situation here that others may register theirs if they are frustrated that to keep their good credit they have to part with money that is supposed to be used to eat when you are not working and make sure they pay it to Capital One! 
My complaint concerns : a Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing is reporting missing information, like loan number. No verification that I opened an account with them showing contract and signature. Reporting misleading information that consumer statement includes foreclosure initiated. I have never opened an account with FAY Financial. Statements and reporting from different addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Credit card

I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed.
Product: Credit reporting or other personal consumer reports

This complaint is against Equifax, XXXX and XXXX. These companies are not complying with their own policies in a timely manner. The investigation has taken longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Mortgage

I made a mortgage payment on XX/XX/year>, which they returned, causing my mortgage to get behind. I made the payment before I left the country on an educational sabbatical. Which would have me out of the country for a month. Upon returning I found out they returned my payment, which has happened several times in the past. At the time of payment my bank account had well over XXXX in it. So there was NO way my payment should have been returned!! I have filed 2 prior complaints against this mortgage company. They have a history of returning payments and making it impossible to submit payments. I want to refinance just to get away from this mortgage company. All this causes late payments on your credit, ending in the lowering of credit scores, which then makes you ineligible to refinance. They then offer loan modifications which cause the mortgage to be extended. Trapping you forever. This mortgage company already has a class action lawsuit against them in Florida. I am attempting to start one here in Georgia. I really need your help as I'm sure hundreds of others do as well. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with XXXX  XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX, and XXXX  have been reported to with these invalid dates.
Product: Prepaid card

I go threw the card company way2go threw child support and the last time I was aware of any deposits was back in the middle of XXXX and I haven't got any deposits for a while and I thought I had my card in my storage and didn't think nothing of it because I haven't got a deposit for a long time well they was supposed to be sending me bank statements every month and I haven't got one since the middle of XXXX and XX/XX/XXXX I received a statement for XXXX of XXXX and as soon as I got it I called the same day and told them I was not aware of any deposit on XX/XX/XXXX of XXXX and I was not aware of any transactions after that date they said they could file a dispute and I would get my money back now they are giving me the run around now
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX is reporting a late payment please fix this or delete account from credit report thanks
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Suntrust services.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND EMAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERLY IMPACTINY MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.
Product: Debt collection

I contacted this company numerous times after I paid my debt in full. They have numerous times spoken to me with attitude, bad language or have hung up on me. I asked to speak to a manager and manager would not get on or when a manager did they said they would send me a letter and not help me in anyway. I contacted to get the account removed from my credit bureau as I have spoken to all 3 bureaus and they are awaiting the debt collector to respond and they dont. I paid XXXX in the account, paid in full. I contacted them XXXX XXXX and XXXX. I sent a letter to their office and all and they arent willing to remove the account. According to the FCRA, credit bureaus and collection agencies are required to report only accurate and verifiable information. Furthermore, any information that can not be verified as accurate must be removed from my credit report as well as paid in full. 

Therefore, I respectfully request that they remove this paid collection account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form 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

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as XXXX XXXX XXXX XXXX XXXX  '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX XXXX XXXXt '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$740.00} Take off my credit report
Product: Payday loan, title loan, or personal loan

I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have hard inquiries on my account that I want them to be deleted because its not me and its fraudulent and I also have loans on my account I did not open that is fraudulent as well as mobile service
Product: Checking or savings account

On XX/XX/year>, I received an email notification that my debit card was being replaced at my request ; however, I never requested a replaced debit card. Upon further inquiry, I discovered that a dispute for a transaction in the amount of {$22.00} was opened up by a representative as a fraud transaction, when in fact, it should not had been, and as a result of that interaction, the debit card was blocked. 

The dispute regarding the {$22.00} transaction was that it initially appeared on the account as a debit authorization from the merchant, XXXX XXXX, and it was taken out of my available checking account balance. However, once the transaction posted to the account it remained as an outstanding debit authorization. The Citibank representative that took call and opened the dispute apparently coded it as a fraud transaction - despite knowing full well that there was no fraud claim being made with respect to the transaction, but a dispute regarding the fact that the transaction was showing as an outstanding debit authorization even after the charge had posted to the account. 

As a result, the debit card associated with the account was permanently blocked which temporarily deprived me of access to my available funds. This appears to be a training and/or coaching issue that Citibank needs to review and take appropriate actiont to avoid future re-occurrence of this issue. In any event, the issue regarding the transaction was never explained as to why the debit authorization remained outstanding after the transaction posted to the account. Once a transaction posts, the authorization should automatically drop as a hold on the account. For reasons, yet to be explained, this only happens with transactions with XXXX XXXX.