23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : CAPITAL ONE AUTO FIN Date of inquiry XX/XX/2021 CAP ONE AF Date of inquiry XX/XX/2021 COAF Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In the dispute results of File Number : XXXX dated XX/XX/18, Transunion stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.transunion.comXXXX  ) during the initial dispute process TransUnion should have contacted XXXX  XXXX XXXX about the information disputed, instructed XXXX   XXXX XXXX to review my dispute, to verify all information reported, provide Transunion a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Transunion by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX  XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Product: Credit reporting or other personal consumer reports

Ive contacted Capital One just about everyday for about 3 weeks now. Theres a credit card account on my credit report that was opened fraudulently, wrong name and address, but they continue to say that they are verifying it. HOW? Thats not my name, and Ive never heard or lived at the address youre claiming to verify this account with. Also, the name and address does not even reflect on my credit reports. Capital One is practicing foul play against us consumers.
Product: Debt collection

i recently sent a letter to the SOUTHWEST CREDIT SYSTEMS and in That letter i clearly demanded to see and receive copies of the purchase agreement for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the XXXX data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracy in my credit report. This practice violates the fair credit reporting act ( FCRA ) 15.U.S.C 1681i which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX I did business with for year when I left they said I owed on both my accounts well knowing that was untrue I disputed but they still charged off both accounts and refused to provide a copy of the XXXX which is illegal and still reported to all credit bureaus.
Product: Mortgage

I have been having nothing but trouble with my escrow account ever since Freedom Mortgage took over my mortgage. I know about escrow accounts, i am in the mortgage industry myself. I paid the shortage in XX/XX/2022, they adjusted the payments to reflect the change in my home insurance which i had to call them about and tell them to apply it to escrow. and now they send me another escrow statement 3 months later stating that my insurance went down, that i still have a shortage and that my payment is about to go up in XXXX. when i called them yesterday they were extremely rude they put me on extremely long hold times, when the lady came back all she did was reiterate what was stated in the escrow statement. even when i told them everything i have done since XXXX, the insurance went down the taxes never changed, and that their math was incorrect. she still argued with me and kept me on hold until i had to hang up and go to work. This is an ongoing problem and i would like to have them investigated.
Product: Credit card

Signed up for a citi American airline advantage credit card and completed the spending requirement for the welcome bonus but didnt receive the welcome bonus after three months.
Product: Checking or savings account

On XX/XX/2023 a scammer used the 'did not show for jury duty ' scam to scare me into paying {$2700.00} so my wife would not be arrested. It was a very sophisticated scam and I was forced to act within a specified time frame - I paid the requested amount with a debit card. We had second thoughts when the scammer tried to get more money from us and realized we were scammed - we confirmed it by contacting the sheriff. We notified the bank and our local police about 1 hour after the payment was made. Since then we have provide all requested information including the scammer 's emails, police report numbers, audio recordings, invoices, etc. The bank notified us by email that they denied the claim. The bank also sent a letter via mail disapproving the dispute dated 1 week BEFORE I sent them all the information they requested. After denying my claim I requested information and explanations from them regarding their investigation such as, who received payment, what was their policy on refunding scammed funds, how they justified the mailed letter stating their investigation was complete and denied my claim before they had all the details, and whether they thought I was trying to defraud them in this matter- they refused my request for all of that information/explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit card

I received a few phone call from different credit card company XXXX XXXX. XXXX and XXXX all those business credit I do not have no knowledge of those cards claiming I have a card with them. I informed them that I know nothing about this card. I have a police report stating that my wallet, which contained my credit card, XXXX XXXX, Social Security card, and passport, was stolen from my car. The police never updated me on the situation with my car, but I do have the police report, a letter, and an FTC report that I can provide.
Product: Bank account or service

I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.
Product: Checking or savings account

I was offered a {$500.00} bonus for opening a checking account with Bank of America and making {$10000.00} in direct deposits within 3 months of account opening. I spoke by phone with a Bank of America representative on XX/XX/2020 to open the account ( account number is XXXX ). The promotional email I received telling me about this account had no unique tracking information other than my name in the email. I met the terms of the bonus on or about XX/XX/2020. Bank of America appears to have enrolled me in a {$100.00} bonus program instead and awarded me a {$100.00} bonus on XX/XX/2020. I have called Bank of America at least twice in XXXX and XXXX to confirm my enrollment in the proper bonus. They told me they had opened a case on my behalf and it would take up to 60 days to complete their investigation. If I'm not mistaken, 60 days has come and gone without any contact from them and I'm still missing {$400.00} of the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My collection for XXXX XXXX unpaid account is as removed on XXXX XXXX on XXXX and XXXX they put it back on there 2 weeks later on my XXXX this is a violation Under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Nc State Employees C. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX card continues to furnish illegal inaccurate late payments on my Credit Report. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX are inviolation of FCRA of late payments being invalid on open end credit accounts I have also included screenshots of my payments made XX/XX/XXXX & XX/XX/XXXX. 
My backpack and cards were stolen on XX/XX/XXXX which prevented contact for work and my deposits. Account was closed and switched.
Product: Mortgage

Wells Fargo claims i missed a payment in XX/XX/2020. They then proceeded to charge me late fees for 3 years because they counted the payments I was making at a month late instead of contacting me about the missed payment. They claimed to have called me, and provided me with a phone record. The phone number listed on the log is the company I am employed at. The team that answers the phone calls is under my supervision. No one at my work received a call looking for me. Not only am I on the company directory where they could have reached me, but the phone rings at my desk when an outside call is made. 
The only conclusion I can come up with is that because they did not ring through to the operator nor did they try contacting me on the phone tree. I was at work for nearly all of the times listed answering the phone at the number provided. If they would have asked if I was available to anyone at the company, I could have been reached. 
They also said that they were not authorized to call my cell phone despite it being listed as my home phone on the loan application ( which I am providing. ) They could not provide me with information telling me how I could have known or authorized the number that I put on my loan application. They provided this as evidence that I was contacted. I can not understand how the number I put on the loan application was not authorized to receive calls about that loan or how I could have been expected to know that it was not authorized. 
They were able to contact me through the postal system to let me know if a payment was short, but did not send me late notifications by mail. Because I was getting notifications when my payments were short, I believed I was caught up when I resolved these payments. 
The can and have contacted me in the mail. I did not receive any postal mail stating I was late in the entire 3 years they were charging me fees. 
Claiming that they did due diligence by trying to contact me only to tell me that they are not authorized to call me at the number on the loan application is not contact nor is it due diligence. Telling me that I was contacted by phone when I was not contacted by phone is a lie. Dialing and not talking to someone is also not contact. Would they do this on a home phone if my daughter picked up? State that they are not authorized to talk instead of asking if I was available so that was contact? 
What makes me most upset is that they have claimed to call when I received no call. I feel completely blind-sided by this and feel like the company has done nothing to lead me to believe that they didn't want this outcome.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. And previousle Hurricane Helen, and losing of jobs. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not worksman compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to Cash American Pawn I noticed that the repayment amount is too high and I could not pay the third payment they probably cash out the item, XXXX XXXX XXXX XXXX XXXX XXXX, but I called but they request weekly payment of {$10.00}, and I was in a hardship situation that I could not afford that amount, ad went out of money completely, in XX/XX/year> but with Hurricane Helen my situation become worst. Then Hurricane Milton hitted and was declared disaster and I was affected. I'm not sure if they agree and would offer me a new payment arrangement, but I am struggling right now after the hurricanes. My item is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It would help me during hardship situation to recovering. The amount of the loan is XXXX XXXX monthly payment is {$50.00}, the repayment amount to XXXX XXXX XXXX XXXX XXXX {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my credit report be frozen by all three credit bureaus and Experian has been the most uncooperative with these request. I have contacted them by certified mail from XX/XX/XXXX through XX/XX/XXXX with all the necessary information enclosed in the letters. My credit report still was not frozen. Their incompliant behavior has allowed more unauthorized inquiries and illegal information to crowd my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by ALLY FINCL According to my records, a late payment was reported for my account number XXXX in Dicember 2022 XXXX experian, XXXX XX/XX/year> This information is incorrect and negatively affects my XXXX XXXX. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2022 XXXX experian, XX/XX/year> XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,