23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did a balance transfer 1 year ago. I mistakenly wasnt aware how to transfer funds to an external account to pay BoA and so the check was returned. Upon communication with the external bank I proceeded to transfer funds to pay Bank of America before the interest took effect. I went online and thought I sent {$20000.00} to Bank of America. Within minutes I called Bank of America after noticing the mistake once again and called in a {$20000.00} payment, which would leave approximately {$4200.00} left to pay on my card. I called them almost everyday and told them to stop trying to draft from the external account and to only use the payment method to which I called in. In speaking to collections, they told me that it was a bank error and didnt see where the {$20000.00} had gone through, which is why they closed my credit card account. She even asked me if it was taken from my external account to which I stated that it showed it posting on XXXX. She investigated and told me to call a number and tell them to refer to the notes to have my card reinstated. Bank of America without totally investigating told me they could not reinstate the card. Where is the grace? I have a 27 year mortgage with them to which I have never been late in 22 years. I have a checking account that has never been in the negative. I also have had this credit card for 30 years and have never been late. I dont feel that they properly investigated and have closed my longstanding account because they didnt take the time to value and appreciate and put forth effort to understanding the needs of a longstanding customer. This is my longest standing account and will greatly affect my credit score, which is unfair. I consistently called concerning this error. My credit score is excellent and I have never been late in paying anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with HALSTED FINANCIAL SERVIC with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2023. I actually still have a copy of the letter that I sent to XXXX XXXX. I don't have copies of the letters I sent prior to this one. I asked the bureaus continuously to investigate the accounts I have listed below for accuracy. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible If they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA everything has to be 100 % accurate. 

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

For the last 6 months i have been trying to remove negative items from my credit report so that i can buy a house for my family.. i have constantly been givin the run around or stall letters regarding to my requests or i have gotten communication saying that the accounts are verified and accurate but when i look at my accounts they are still reporting inaccurate ( violation of 1681e ( b ) ( b ) ) and when asked about the method of verification under 1692g i do not get any communication i have attached all of my letters sent over the past 6 months with the accounts as well - XXXX XXXX XXXX  Account Number : XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent and inaccurate. There is no payment history reported. You have a responsibility to report complete and accurate information. If this you can not report a complete payment history then you are reporting inaccurate information. There is also no date of last payment being reported therefore this is incomplete reporting on your end. 

- XXXX XXXX Account Number : I was never been 30 days late on this account and always paid on time this is reporting inaccurately. Update the payment status to paid as agreed. Remove this account for inaccurate reporting because the date of last payment is mising. Since you have of not reported the date of last payment is messes up two things. 

First it shows does not help indicate when this account was actually charged off and secondly it manipulates the statue of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove the incorrect address from my credit report so that my report only reflects my correct information.
Product: Student loan

I called EdFinancial and requested a refund for student loan payment on XX/XX/2022, the representative assured me that my refund request was on record. I called on XX/XX/2022 to check the status of my refund request and was told that no refund was requested on my behalf. They didnt provide an explanation at all and dismissed the issue so I requested a refund a second time on XX/XX/2022. I lost 2 weeks of time because they did not process my request on time. I asked for an inquiry ID on XX/XX/2022 but they refused to provide me one, I also asked for an estimate on my refund and they said it 60-90 days. I called multiple times for status updates and I get different timelines some up to 6 months. This is not acceptable and they offer no guidance or provide truly helpful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr.com has listed that I was required to do XXXX  XXXX evaluation, but the XXXX, XXXX, and XXXX  agreed that I didn't need to do it. This is the first time I have seen it in a report.
Product: Checking or savings account

I had made a total of three payment in the amount of {$500.00} from my Chase Checking account through bill pay. 

XX/XX/year> - XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/year> - XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/year> - XXXXXXXX XXXX XXXX XXXX  I accidentally entered the wrong account number in the detail. These payment went to an unknow Chase credit card account. I asked Chase to reverse this transaction but they refuse to cooperate and return the funds. Since then I corrected the account number and have made subsequent payments to the correct Chase credit card. Chase has not returned the payments that were made in error.
Product: Credit reporting or other personal consumer reports

My card was used without my knowledge. Identity theft.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My personal information was used to obtain credit without my knowledge that was fraud. 

On my credit report XXXX XXXX XXXX is reporting late payments and I didn't have any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter of deletion was sent to Transunion weeks ago, and they're refusing to remove an incorrect mark on my credit report. I am moving at the end of this month, and this caused me to have to pay for another full months worth of rent and delay my entire families moving process.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCRA.
Product: Payday loan, title loan, or personal loan

I received a call on XXXX at XXXX am in regards to a complaint I made on Comenity Capital Bank through the CFPB website. The gentleman also said that my email of discrimination was received by XXXX which is the CEO of the company. The gentleman was not very informative when I asked him questions. The call came in from XXXX ( XXXX ) XXXX and I asked him several times can I reach him on this number to keep up with the investigation. He continued to tell me no and that there was not a sufficient phone I could call to speak with anyone. He said I would just have to wait until the investigation was done. I asked him what are they investigating and he still did not have the proper knowledge. He claimed to be the assistant yet he had no knowledge of my complaint nor was he interested in hearing about it either. On XXXX I tried calling the number he called from. The number is allegedly the complaints department so he was very deceptive to state he was the assistant that worked on side of XXXX. Every single time I called the number it tells me to leave a message no one is there to take a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. THEY DO NOT BELONG TO ME. THE FTC IS ATTACHED BELOW. WITH SUPPORTING DOCUMENTS.
Product: Debt collection

XXXX XXXX {$120.00}. XXXX XXXX XXXX XXXX. 

I have no idea why am I getting this letter. I don't owe any money from this company, and I don't know anything about this company. Can you please advise and solve this, asap? Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Open Account : XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

USAA XXXX reported false information and fake claims that were not made which were then reported to XXXX  and XXXX XXXX and resulted in increased insurance costs and premiums dating back to 2021 after I cancelled their services. USAA said I made insurance claims that never occurred, and reported such to XXXX  and XXXX XXXX that to this day can not correct. I never paid for, subscribed, or made any claims for road side assistance, glass coverages or any such insurance claims and have suffered damages and loses as a result of their false and inaccurate reporting. 
USAA claims they can not help me even though they initiated the false and fake claims resulting in my loses and refuse to correct their errors. I only found out recently that other insurance companies were using this false information to determine my insurance premiums and costs when they disclosed that this information was found on XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I have tried to called XXXX and Equifax to fix the late and wrong reporting payments on my credit report. 
I just pulled my credit report today XX/XX/XXXX. 
And on XXXX since XX/XX/XXXX they have not update update my balance correclty. I have not had a balance on my accounts for XXXX XXXX Accounts for almost 6 months. I used them and pay off the total balance. 
Since I cancelled my subscription with them, I can even go and update or make a request to fix my credit and also elimnate my Inquiries that are due five of them for deletion. 
See credit report from XXXX. Credit score is XXXX, with a balance of only XXXX XXXX XXXX Accounts one for {$120.00} and XXXX XXXX with a balance of {$19.00}. I have not have a balance of {$940.00} Dollars and {$500.00} for almost five month. Even that I tried to log in to see my present scores. Please I am trying my best to keep my scores up to buy a house, but credit reporting agencies like XXXX and Equifax not reporting correclty. 
See attached of previous statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I instructed XXXX XXXX XXXX to pay the remaining settlement amount to Capital One Bank for account ending in XXXX. A total of {$1300.00} was paid to Capital One to settle this account as " PAID OFF ''. 

I have tried to get Capital One to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.
Product: Debt collection

XXXX XXXX reported two account to the credit bureaus for monies I dont owe, these accounts are over XXXX XXXX XXXX. These accounts were removed once and the credit bureaus Experian, XXXX and XXXX has allowed this debt collection company to report these accounts again which violates my right as a consumer. Medical data is a juke buying debt company and XXXX owe them nothing. These accounts are not legit and I want them off. I will be contacting me an attorney if these accounts are not completely removed from Experian, XXXX and XXXX credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX XXXX Balance Owed : {$740.00} TXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Debt collection

Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from Experian, XXXX, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

Experian account : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I told them I sent to the wrong person and they told me they couldnt help
Product: Debt collection

Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.
Product: Debt collection

on XX/XX/XXXX, I called Security Credit Services to find out about a debt in my name in the amount of {$2100.00}. After not being able to find me using my social security number they used the lookup by name. I was then told that the last four of the soc on file was incorrect which proved my point that the debt was not mine. I was then transferred to another company called XXXX XXXX and they also could not find me under my correct soc but could find me under the incorrect one. They said they would initiate a fraud investigation which I have yet to hear anything about. I also filed a dispute with XXXX and XXXX and found out from equifax that the debt was validated but they could not give me the information that was used to validate the debt. This is not my debt and was a online purchase done during a pandemic that can't be validated to me.
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.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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 instructions.

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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed.

Account Numbers and Names : -DEPT OF EDUCATION/XXXX  XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by Experian. I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX Bank did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. XXXX. XXXX  days late XXXX. XXXX  days late XXXX. XXXX  days late Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I 've tried to get this item remove, but this company keep giving me the go around. Since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.