23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have found out recently that maybe due to previous relationships and losing wallets that my personal information has either been used to run my information numerous times and I have found that I have inquiries and accounts that I have no previous knowledge of and 15 U.S. Code 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of consumer reporting agencies in maintaining the accuracy, privacy, and proper use of consumer credit information. The section is divided into several subsections : Key Subsections : 1. 1681e ( a ) - Compliance Procedures : Consumer reporting agencies must maintain reasonable procedures to ensure that consumer reports are supplied only to authorized users and that the reports are accurate.

2. 1681e ( b ) - Accuracy of Report : Agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

3. 1681e ( c ) - Disclosure of Consumer Reports by Users : Users of consumer reports who take adverse actions based on the reports must notify the consumer and provide the name and address of the consumer reporting agency.

4. 1681e ( d ) - Notice to Users and Furnishers of Information : Agencies must inform users and furnishers of the information of their responsibilities under the FCRA.

5. 1681e ( e ) - Procurement of Consumer Report for Resale : When a consumer report is obtained for resale, the agency must ensure that the information is passed on correctly and that all necessary disclosures are made.

This section plays a critical role in protecting consumer rights by ensuring that the information used in credit decisions is accurate and that only authorized entities access consumer reports. Accounts that I am challenging are XXXX XXXX XXXX XXXX and several inquiries a total of XXXX to be exact not tied to any specific account that I have or made personally
Product: Credit reporting, credit repair services, or other personal consumer reports

1 head u been calling and sending mail to capital one they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and capital one refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort of the XXXX XXXX to remove all the specified fraudulent inquiries from my XXXX credit report, and although 2 out of 5 fraudulent inquiries were removed from my XXXX credit report it was still not enough so I NEED the XXXX Credit Bureau to finish it by removing these remaining 2 fraudulent one. And regarding my Equifax Credit Report issue the Bureau have NOT REMOVED the only two fraudulent inquiries that I mentioned from the start, and I need the Equifax Bureau to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the XXXX and Equifax Credit Bureaus to remove these inquiries listed in these compliant : 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

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to Transunion. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XXXX I recieved a settlement offer that states the balance as {$16000.00}. To Transunion they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and TransUnion and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because TransUnion and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Product: Student loan

The company has sent me notices that interests will continue to accrue dispite the department of Ed. Claiming that borrowers enrolled in the save plan on hold during the injunction will not accrue interest on their student loans. Mohela has added XXXX of dollars in interest since then, has prevented me from paying down some of the debt during the majority of this time period, and has not made records of my payments available for several months. One payment I made several months ago was not posted until over 6 months later and records of the payment were not visible either. Meanwhile the money I owe continues to rise because I am paying over 6 % interest on over {$30000.00} whole I was supposed to not be paying any interest on them because I enrolled in the SAVE plan and am not supposed to be paying interest until the legal action preventing repayment is resolved.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX security freeze
Product: Checking or savings account

On XX/XX/2020 at XXXX ; a fraudulent check for {$4600.00} was deposited into my minor granddaughter 's account at the BB & T bank on XXXX XXXX XXXX in XXXX XXXX The teller ; XXXX XXXX ; took the check and did not put a hold on the availability of the funds. 

On XXXX XXXX ; my granddaughter called me and told me that there was over {$4000.00} deposited into her account ; but only {$640.00} was still available. She told me that she tried to withdraw {$640.00} ; but was told that the check that was deposited was fraudulent. 
After getting off the phone with my granddaughter ; I called my bank here in XXXX, NC. I was told that two ATM withdrawals had been made by the use of my granddaughter 's debit card. I then spoke with my granddaughter and was told that her debit card was missing ; but she had not reported it lost or stolen. I received a call from the bank teller at XXXX and was informed of the deposit and that most of the funds were already taken out. 

The bank teller ; XXXX XXXX ; that had taken the deposit on XXXX ; called me on XXXX from her personal cell phone to ask if I had spoken to my granddaughter. 

I have filed a police report with the XXXX XXXX Police, the XXXX XXXX Police, and the Fraud Department from BB & T. 

Now ; I am being told by my bank that because my granddaughter is a minor ; and my name is on her account ; that I am going to be held responsible to pay her negative account balance of {$4000.00}. BB & T has frozen my checking and savings accounts until this is paid in full. 

On XX/XX/XXXX ; I received a notice from BB & T ; dated XX/XX/XXXX, that the availability of the funds of the deposit were delayed until XX/XX/XXXX. But ; {$4000.00} was taken out on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the third time including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was sent a form back in XX/XX/year> from Transunion to fill out for correcting my information. I found out from the banks that the credit bureaus had my social security wrong as well other information. I had to work with all three credit bureaus. My credit was mixed with someone else with the similar name. I thought since I sent in all my informaiton with a copy of my correct SSI # that everything would be corrected. XXXX and a half months ago I was advised by my bank that Transunion had my SSI # wrong that is why the bank can't identify me. I have spoken to several agents with Transunion and each and every time they tell me that its being worked on and should be fixed within XXXX days. This has been going on for XXXX and a half months when it should have been fixed back in XXXX when I sent in all paperwork and a copy of my SSI card. Now this is messing with me working with the bank in matters. As well as insurance companies go through Transunion for Credit Reports. I need this fixed and they are not doing anything to fix this matter that I have constantly been calling about for months now. They tell us to watch our credit reports for identity theft and fraud but fail to fix disputes and trying to get this resolved has become a huge nightmare. I feel at this point my true information and identity is held hostage because they credit bureau fails to want to resolve and actually fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute with XXXX XXXX XXXX company, I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Product: Credit reporting

Trans-union Reporting agency placed information on my credit concerning XXXX and XXXX being behind in payments in XX/XX/XXXX, i only fell behind XXXX time in that time period and it was placed on my credit showing XXXX days past due in XX/XX/XXXX & XX/XX/XXXX. Now its placed back on their again in XX/XX/2017 as if i was just late with my payment, this was corrected by me and all applicable statements and proof that this account was no longer in these creditors were not in this status was provided to them in XX/XX/XXXX. My payments are current and the date that they have listed on the account as last paid is also incorrect. The last payment made on both of these accounts were in XX/XX/XXXX. This is not correct on my credit and its painting a negative image to my name as if i was XXXX payments behind with both of these creditors. Please see attached for XXXX im locked out of XXXX and unable to get credit history for submission.
Product: Vehicle loan or lease

I have been in communication with regional acceptance corporation almost ever month to get an accurate statement and to find out what's going to interest and what to principle. I have spoke to XXXX XXXX XXXX in the XXXX office on several occasions and I feel like less of a person after being verbally abused by XXXX. I've asked several times for a principle and interest breakdown of my payments. Also I keep getting robo calls from this number in which I did not give permission XXXX regional acceptance on dates XXXX XXXX and XXXX at XXXX and XXXX. The principle amount has not dropped on XX/XX/2019 it will be 2 years of payments made.
Product: Debt collection

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am filing this CFPB COMPLAINT to report XXXX separate fraudulent accounts appearing on my consumer XXXX XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. My property XXXX was used without permission in fraudulent credit transactions and in commerce. 
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : XXXX ( Private SSN ), Consumer Date of Birth : XX/XX/XXXX ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Equifax/Experian credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX DOT BANK on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX BANK XXXX XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), and collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal credit card account opened at XXXX  XXXX XXXX XXXX and a XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I refinanced and my mortgage was sold to Huntington Bank. I called and explained I wanted to make weekly payments and they stated their system couldn't auto set that up, but i could mail the payments in. 
Today, I received a collection call regarding a past due amount of {$700.00} I checked my account and all payments were received but it appears they were misapplied. 
The representative stated they were misapplied and said I should not send weekly payments or they will keep misapplying them and in turn I will receive collection calls and late fees on my account, even though the account is current. 
I stated that this is a system deficiency that they need to cure, not a payment change I need to make. 
Partial payments are permitted under CFR 203.556 which states in pertinent part " the mortgagee shall accept any partial payment and either apply it to the mortgagor 's account or identify it with the mortgagor 's account and hold it in a trust account pending disposition. When partial payments held for disposition aggregate a full monthly installment they shall be applied to the mortgagor 's account '' I had XXXX due no later than XX/XX/XXXX to avoid a late fee. 
XXXX due no later than XX/XX/XXXX to avoid a late fee. 

I paid {$350.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ( today ) As of XX/XX/XXXX they received {$1400.00} of the {$1300.00} due which satisfied XXXX XXXX bill. 

As of XX/XX/XXXX they already have XXXX towards XXXX XXXX bill which is not considered late until XX/XX/XXXX. Nearly ONE MONTH from today. 

As of today they have received XXXX total yet claim I am past due and are threatening to continue to mark my account as delinquent
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5400.00XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XX/XX/XXXX bal. {$960.00}XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$150.00} Inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent this company 2 letters asking them to validate an account they are reporting against me! The first letter went out, certified mail, on XX/XX/XXXX. THEY JUST NOW CONTACTED ME TO TELL ME THEY ARE INVESTIGATING! According to the FDCPA, they have 30 days to send me full validation of debt, they did not send that by XX/XX/XXXX, their response is in clear violation of the law! PLEASE HELP ME!
Product: Credit card or prepaid card

BOA 's customer service is the worst. I can't even report a lost credit card. There's no email, chat, or other messaging option. I've been on hold for 23 minutes waiting for an associate. And this is consistent with other BOA experiences, which without fail involve having to call and waiting on hold for inordinate amounts of time.

BOA 's indifference to its customers ' time is inexcusable. It also encourages fraud, since account holders can't quickly or easily report instances of lost of stolen cards.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

For months I didn't have access to my account and could not use my card, called numerous times but no help kept making payments when I called monthly to make payments on the account because I didn't have access to do it online the balance never changed dispite that my card was locked. When I finally got help I was told there was fraud on the account and I need to fax a copy of my drivers license front and back which I did on XX/XX/year>. Got access to my card now the company is closing my account and I still have to pay on the fraudulent charges