23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB - CARD SERVICE XXXX XXXX JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 card or prepaid card

Ginnys is an online store. Ginnys, XXXX XXXX, and XXXX XXXX are all 3 the same sister company. XXXX XXXX has sent me a letter saying the account was opened fraudulently. But the other 2 Ginnys and XXXX XXXX wont close theirs even though all 3 are the same account number.
Product: Mortgage

I called to get a quote from Quicken Loans and they insisted they take my social security # to give me a quote based on my credit score. It would be a soft check like a car insurance company would do. It was a XXXX minute phone call. The guy calls me back and gives me a quote for XXXX for a 15 year loan or a 20 year loan for XXXX for {$250.00} XXXX refinance. I told him I was not interested as it is not beating what I had. Within a couple of days I have an estimate in the mail with a 30 year rate for XXXX APR which I never inquired about. I also got calls from the company asking me how my loan was doing. They started an application process even though I never asked for XXXX. I feel like there is fraud and misrepresentation going on with that company and I am outraged. They not only started an application without my knowledge or permission, but they sent a quote for a term I never inquired about or was interested in. It shows me the quote on the phone was a lie as well.
Product: Debt collection

Repeated and unwanted phone calls. I asked the name of the company & they refused to give it. Caller ID shows " T.C.S. '' XXXX. I was hung up on when I asked, I called back and another person refused to tell me who they ( company ) were. Internet search shows Thunderbird Collections XXXX in Arizona. These fools need a lesson in manners and phone etiquette. Once I stated to not call me, they used my name, referenced other family members and referenced me as being too stupid to understand. They apparently researched my phone number to know me, but continue to call for someone not living here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 loan with XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

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: Debt collection

This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.
Product: Checking or savings account

Bank of America company charged me overdraft fees for years and I was under the class action lawsuit and wasnt reinstated for my losses due to me relocating to Arizona
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to request security freeze through phone, mail, or online from these data furnishing companies. 

FactorTrust , IncXXXX XXXX XXXX XXXX XXXX XXXX FactorTrust, Inc.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for experian, for the credit boost. I followed the instructions to connect my banking account and after got a error message! I called and the rep took my information and she would review and get it in! Well apparently she lied, I see no changes still getting the error. So I called today, to get the RUDEST, NEGATIVE ATTITUDE, NO CUSTOMER SERVICE OR CONCERN ATTITUDE FROM SUPERVISOR XXXX!!! VERY UNPROFESSIONAL AND WAS OF NO HELP AT ALL DUE TO SO MUCH ATTITUDE! NOTHING WAS RESOLVED
Product: Debt collection

Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states 604a section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX on behalf of client Fay Servicing , LLC has my home unlawfully listed as foreclosed with a sale date of XX/XX/2024. My home does not have an active mortgage to foreclose upon. XX/XX/2024 a request for Validation of Debt was made and not received. I have verified with my countys Superior Court that there is not a formal notice of foreclosure, liens, or holdings on my property. XXXX XXXX XXXX XXXX listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by XXXX XXXX XXXX XXXX. XX/XX/2024 a Cease & Desist Letter was sent and received by XXXX XXXX XXXX XXXX but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I Called Experian XXXX on XX/XX/2021 and was on a XXXX minute call to have collection and closed accounts removed from my report. 

- According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Which was not done and XXXX is in violation That was not done. I the CONSUMER/ NATURAL PERSON was denied of the removals because the agent stated she would get in trouble. However, my consumer rights were violated and federal law Trumps state law or company policy EVERYTIME. she also stated that the federal laws didn't apply to Experian. This constitutes fraud and misleading information. 

- She then proceeded to open a over the phone dispute. 

-Pursuant to 15 USC 1681i ( a ) ( 1.a ) WHILE ACCOUNTS ARE UNDER INVESTIGATION the accounts are to be deleted. Which was not done therefore Experian is in Violation under this section. 

- I received my dispute results online on XX/XX/2021. NONE of these alleged collection accounts or other alleged information I demanded to be deleted was verified, nor deleted. 

- I did not give these companies nor Experian my XXXX written consent to report anything which is also in violation of 15 USC 1681b, 15 USC 1681 ( A ) ( 2 ) ( B ) and the FCRA. I am DEMANDING this alleged information to be Deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, LA, XXXX XX/XX/XXXX XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any other information that is not verified by proof of ID. Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Re : Account # [ XXXX ] Consumer : XXXX XXXX XXXX I am writing to dispute the inaccurate and unlawful reporting of a collection account under my name, XXXX XXXX XXXX. The account in question is being reported with inconsistent and erroneous information, specifically indicating late payment dates on a collection account. Such reporting is not only misleading but is also a violation of federal consumer protection laws. 

Please take note of the following violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ) ** : Under the FCRA, furnishers of information, such as XXXX XXXX XXXX , are required to ensure that the information they provide to credit reporting agencies is accurate and complete. Reporting late payments on a collection account is inaccurate and misleading, as the nature of a collection account inherently implies that the debt is in default and no further late payments should be reported. The reporting of late payments in this context violates the FCRA 's mandate for accuracy in consumer credit reports. 

2. **Inconsistent Reporting and Misrepresentation Violation of FCRA Section 605 ( 15 U.S.C. 1681c ) ** : The law mandates that information reported on consumer credit reports must not only be accurate but must not misrepresent the status of the debt. The presence of late payment dates on a collection account misrepresents the nature of the account and its history, which is a violation of the FCRA. Inconsistent information like this creates confusion and damages the consumers credit standing, which is unlawful. 

3. **Noncompliance with Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) ** : The reporting of incorrect information, such as late payment days on a collection account, is also a violation of the FDCPAs prohibition against false or misleading representations. Credit reporting agencies, such as XXXX, must ensure that the information they are displaying complies with both the FDCPA and FCRA. 

As a result of these violations, I am formally requesting that you : - Immediately remove any and all incorrect late payment information from my credit report. 
- Ensure that this collection account is deleted entirely from my report if XXXX XXXX XXXX can not verify the information 's accuracy within the statutory 30-day period allowed under the FCRA. 

I trust that XXXX will take this matter seriously and resolve it promptly. Please provide written confirmation of the steps taken to correct this error within the 30-day investigation period. 

Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including statutory damages, legal fees, and injunctive relief as provided by the FCRA and FDCPA. 

Thank you for your attention to this matter. I expect prompt action to resolve these inaccuracies. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX
Product: Checking or savings account

I used cash app to deposit {$29.00} into a different XXXX XXXX that I am a the account holder of. The funds should have been sent to my debit card. 

I used Cash App instant deposit which should have transferred the funds immediately. The funds never arrived/received by my bank. XXXX XXXX does not have the funds and has no record of receiving any funds and no funds are being held by XXXX. 

Cash App has refused to refund the missing deposit and/or provide me with a trace number
Product: Checking or savings account

Bank of America changed it's online AutoPay to Bank of America credit cards to only accept the minimum amount due. 

Despite allowing me to set up XXXX XXXX for my XXXX XXXX 's to {$200.00} more than minimum for the last 15 years, it will now only accept minimum due. 

This of course was designed to fleece BAC customers and charge the maximum amount of interest possible. It took XXXX hours on the phone to learn this being transferred from department to department. 

BofA nevere responded to the past complaint made here. 

I am not sure the purpose of this government agency. It does nothing to prevent these banks from fleeting customers. XXXX they are right in shutting it down. Creating a username and password is just another risk for ID theft.
Product: Debt collection

Portfolio recovery continues to report this debt to all the credit reporting agencys this debt was settled in XX/XX/2017 please see attached documents from the courthouse. When theyre notified they say that they have left the credit reporting agencies no. This needs to be investigated immediately as it is negatively affecting my credit for two years unlawfully.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to report fraudulent activity that has compromised my credit. Upon thorough research, I discovered that to remove the fraudulent items from my report, I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items identified in an identity theft report, referenced by numbers XXXX & XXXX. I have attached the necessary documents to aid in the removal of these items from my report. Listed below are the items opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Product: Student loan

On XX/XX/XXXX, I started an online chat with XXXX XXXX regarding some confusing messages I'd received about my Perkins student loans. Their website says my account is in forbearance till XX/XX/2018 ; but I received a bill showing a balance due next month. 

When I applied for the forbearance, it was my understanding that interest will continue to accumulate on the account, but you don't have to pay it till the forbearance is done. I spoke to XXXX via chat and she said that my account was actually past due and that I needed to pay. While chatting, I XXXX  the terms of a Perkins Loan forbearance and found three sites [ plus the Perkins Loan forbearance form itself ] which say that while interest will continue to accumulate, you can wait till the forbearance is done before paying it off. 

I confronted XXXX with these facts. She then said that was what she said. I copied and pasted what she ACTUALLY said. She proceeded to apologize, confirmed that I was right, that my account was in good standing, and kept telling me that she was in training. I demanded the name of her supervisor ( XXXX XXXX ) and was told that I could call to make a complaint. I attempted to call XXXX and was on hold for 7 minutes before I gave up and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America decided to close my account and I dont know why. I have {$500.00} in the account from a return I made on a purchase months ago. The money is in the account but Bank Of America will not let me access it or send it to me bud certified check.
Product: Credit reporting or other personal consumer reports

I am writing as a consumer to exercise my rights under 15 U.S.C. 6802, 12 CFR 1016.7, and 16 CFR 313.7. This correspondence serves as my formal request for TransUnion ( TU ) to show proof of the XXXX ( XXXX ) disclosures that are required to be provided to me as a consumer, pursuant to the previously stated statutes and regulations that gives my permission to report information to my consumer report. Upon TUs inability to show proof of disclosures, I request to : Revoke any and all permissions I MAY have given TU verbally, non-verbally, written, non-written, electronically, or non-electronically. I formally choose to OPT OUT of reporting the following accounts to my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the aforementioned laws and regulations, I expect XXXX to : XXXX. Immediately cease reporting the above mentioned accounts to my consumer report. 
XXXX. Terminate all information sharing about the above mentioned accounts with nonaffiliated third parties. 
XXXX. Inform me of the specific procedures you have in place to honor consumer opt-out requests, as required by 12 CFR 1016.7 ( a ) ( 1 ) ( iii ).

4. Comply with this opt-out request as soon as reasonably practicable, as mandated by 12 CFR 1016.7 ( g ). I expect written confirmation of compliance with this request within 15 business days.