23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After being denied an apartment, due to credit. I was informed that they used the XXXX as the accurate source of information and credit scoring. Upon reviewing the report provided, it has come to my attention that it does not accurately depict my account history as purportedly sourced from Equifax. Specifically, the XXXX notation is inaccurate. I was informed that this information was pulled completely and in whole from Equifax. Equifax has detailed payment information that significantly differs from the report and is affecting the overall scoring. Every single item has missing payment data so how can their algorithm and scoring be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX XXXX Experian on XX/XX/2021 and XXXX XX/XX/2021 XXXX also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I retired from XXXX in XX/XX/XXXX and took my life's savings andon XX/XX/XXXX, I purchased a rental property from Countrywide.  My monthly payments were $XXXX. which allowed me to make a profit by renting the house out. Then, in XX/XX/XXXX, Bank of America took over Countrywide.  They immediately added over two hundred dollars to my monthly payment which caused me to suffer financially but I still struggled and continued to pay them as agreed.  Not only did they increase my monthly payment but they increased the principal balance by nearly ten thousand dollars additional to what I agreed to pay Countrywide.  When I heard of the :'Loan Mods', I inquired to them about possibly getting one for my situation.  Especially since they just abruptly increased my monthly payment and I now lived on a fixed income.  Surprisingly, they said yes and to not pay them until they figured out the new monthly payment.  Approximately two months passed by and on XX/XX/XXXX, they illegally foreclosed on my property without my knowledge of it.  I try'd calling them when I hadn't heard from them after the first two weeks and all the BoA contacts that I had numbers for were no longer at the extensions that they gave me. I have statements and proof that I payed them faithfully up until XX/XX/XXXX, because that is what they instructed me to do!!!  I was not even told that they had set me up for foreclosure.  I went to my property only to find that the locks were changed and there was a foreclosure sign on the door..  All my appliances, which I purchased brand new, new air conditioning unit, furniture and complete rehab, - ALL GONE!!!!  Since then I have suffered many. many mental illness episodes.  I am currently being treated for XXXX.  I have been hospitalized several times and I am finally getting myself together  in hopes that maybe someone cares to right all of the wrong thatBank of America has done to me.  I have lots of documented proof!
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at Bank Of America NA, XXXX XXXX, CA. ( invoices attached ) 2 transfers were executed for a total amount of {$24000.00} to this account : USD {$18000.00} sent XX/XX/XXXX ( receipt attached ) USD {$5600.00} sent XX/XX/XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to Bank Of America. No reply was received. ( Letter attached )
Product: Debt collection

Experian- The following accounts are reporting inaccurate information on my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, {$32.00} XXXX XXXX XXXX XXXX Account # XXXX, {$930.00} These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and Im using my XXXX  XXXX credit card and paying it off way before the due date and yet my credit score still hasnt increased. My XXXX  XXXX credit wise monitoring has revealed that my personal information is on the dark web please check uploaded document. 

Why isnt the credit bureaus doing their job. Why hard working Americans are suffering at the hand crooks and we are the ones being penalized for it.
Product: Checking or savings account

RE : Fraudulent charges on teenager account Claim was denied Account in question : my daughter XXXX ( XXXX year old ) On XX/XX/XXXX, I received emails ( attached ) regarding unusual activity on XXXX account. I call the bank after I log in from my app on my phone and see all these activities that are clearly not my daughters. As I talk to the agent, I find out from XXXX that her card is missing and the last transaction she recalls is purchasing food at XXXX on XX/XX/XXXX. Someone stole XXXX XXXX card and logged online to make mobile check deposits : XX/XX/XXXX check amount {$1400.00} reversed on XX/XX/XXXX XX/XX/XXXX check amount {$3400.00} rejected on XX/XX/XXXX XXXX had {$15.00} on her account on XX/XX/XXXX and was never able to charge more than what is available her card would decline if she tried. 
Other charges and deposits were made all between the first and the XXXX of XXXX by the perpetrators. 
1. XX/XX/XXXX Cash deposit of {$3.00} ( Monday ) Capital One in XXXX we live in XXXX XXXX and this is a school day and we have never been to branch. 
2. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 3. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 4. XX/XX/XXXX Debit card purchase {$100.00} ( Tuesday ) On XX/XX/XXXX, one agent and her supervisor both told me that my daughter was called by the claim department and she confirmed she made the charges. I assured them that was untrue and they came back on the line and said that it was actually from the original conversation I had with them on XX/XX/XXXX. 
I am so disappointed that the conclusion was that actually my XXXX year old daughter made all these transactions while living 45 minutes from XXXX and being in high school all day and without having the card in her possession. 
The claim is closed and I received a letter stating that the charges are our responsibility. I called the claim department and was promised full details of the investigation and never received it. I would like to have someone resolve this issue. 
Thank you, XXXX : XXXX XXXX.
Product: Credit card or prepaid card

I opened an account with SYNCB/B & XXXX account # XXXX I never received any bill from them. I was awaiting my first bill to make the payment. As soon as I was informed that a payment was due I quickly made the payment over the phone to avoid any other issues which I now see had impacted me in XX/XX/2020.
Product: Student loan

I did not appreciate Navient telling me that I was set up on a payment plan take my money and now tell me that the payment has been cancelled. I called 2 times to verify that this payment plan was still in place. XXXX Employee ID XXXX was useless. She told me the payment plan was cancelled and they would continue to take payments out of my account, but since it was not the total amount due, I would still be considered late, so I told her to cancel the payment plan. Now they are saying because your rep XXXX gave me the wrong information they might not put my payment plan back. I want a refund of my money especially if you are still gon na say my loan is past due. It was the worse decision I have ever made getting a loan with your company
Product: Checking or savings account

This company claims to do and investigation into unauthorized charges to my account but does nothing. I had some company use my debit card for fraudulent charges and was given a provisional credit. Today it was reversed. Why? This company did not have my authorization to charge my debit card because I have no idea what they were charging for. The bank also did not return the overdraft fees that these fraudulent charges caused my account to be overdrawn. I really dont think they do any kind of investigation. This bank is ridiculous. They do nothing to stop fraudulent activity. I have no knowledge of what this supposed company who charges my account fraudulently.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX made a payment to transfer the balance on a Comenity Card for {$11000.00}. XXXX XXXX on XX/XX/XXXX on their part without my authorization made a duplicate payment of {$10000.00}. This created an over-payment and credit balance on the Comenity Card of {$10000.00}. 

XXXX XXXX indicates that I have to work with Comenity to get the payment back and Comenity is stating it will take a month to issue a credit. XXXX XXXX states they can not reverse the second payment is charging me interest, late fees, transfer fees and penalties for being " over the limit '' on my new card due to THEIR mistake and over-paying. 

Comeneity is saying that it will take 20 business days to refund me the overage payment MINUS {$180.00} of interest. This is a mistake that was made between two credit card companies and I am the consumer with no authority to issue payments or refunds. 

I spoke to 3 different agents from XX/XX/XXXX - XX/XX/XXXX at Comenity and all they offered to do for me was a refund check and said because it is was over {$500.00} they had to " hold '' my money for EXTRA 10 days?? When they received the overage on XX/XX/XXXX. They should have sent it back immediately as the card had been paid off in full on XX/XX/XXXX. 

This is abuse to myself as the consumer since I have no way to fix this without the two credit card companies working together. I instead am left to fight both of them all the while MY CREDIT is being harmed.
Product: Checking or savings account

My business account stopped receiving monthly statements in XX/XX/2019. Huntington did this with out my consent, I tried to get on line to get some of our statements but am not an authorized user according to Huntington. I am the sole owner of XXXX XXXX XXXX XXXX XXXX, XXXX and managing member. So if they won't grant me access to the online account or provide me my bank statements who can access? 
I tried for 2 hours to get someone on the phone to help but it was above there pay grade and they could not help me. I can close the account and bank elsewhere but I need statements to balance the account and have the correct numbers for income taxes purposes.
Product: Debt collection

On XX/XX/XXXX, an email from XXXX XXXX XXXX of Commercial Collection Corp. of NY, attempting to collect an alleged debt of {$1900.00}. This email lacked the necessary information mandated by the Fair Debt Collection Practices Act ( FDCPA ), such as the amount of the debt, the name of the creditor, and the rights of the consumer to dispute the debt and request validation. 

XXXX XXXX has repeatedly requested : A copy of the contract that allegedly justifies the continued billing. 
Validation of the debt, including details on the amount owed and the basis for these charges. 
Despite these requests, XXXX and their agent, Commercial Collection Corp. of NY, have failed to provide the requested information. This continued billing and lack of transparency violate both federal and state consumer protection laws, including the FDCPA and California Business and Professions Code Section 17602. 

The ongoing attempts to collect a debt that is not owed, coupled with the failure to provide necessary documentation and validation, have caused significant distress and inconvenience to XXXX XXXX. 

Key Dates and Actions : XX/XX/XXXX : Formal cancellation of subscription with XXXX. 
XX/XX/XXXX : Email from Commercial Collection Corp. attempting to collect {$1900.00}. 
Multiple Requests : XXXX XXXX has made repeated requests for contract and debt validation, which have not been fulfilled. 
Requested Resolution : Immediate cessation of all collection activities. 
Update the account status to reflect a XXXX balance and confirm the account closure. 
Issue a formal apology to XXXX XXXX. 
Provide any contractual documents that justify the continued billing. 
Issue a full refund for any charges incurred post-cancellation. 
Failure to address these issues will result in further legal action to protect XXXX XXXX rights.
Product: Vehicle loan or lease

I paid my car payment with GMC Financial for XX/XX/XXXX payment on XX/XX/XXXX. It was the 30th day, but it wasn't past 30 days. I was reported 30 days past due. I also called and made payment arrangements for the XXXX payment and stated that it will be past 30 days and I would pay on XX/XX/XXXX. I did pay today. It is very stressful dealing with anxiety from COVID 19, not being able to receive income from second job to help pay bills and worry about credit reporting 30 days late when my XXXX payment was entered on XX/XX/XXXX, that's the 30th day. How could I be reported 30 days past due. They sent me a letter stating that nothing was reported late, but I am looking at my XXXX credit report online with XXXX and it is showing past due. Also, I thought according to the Care Act,  if I made arrangements with my credit, they could not report me late. GM Financial reported me late for XXXX also. I was not late in XXXX and they told me that I would not be reported late in XXXX. GM Financial have been reporting incorrect information or no information at all since I have had this account. I am also reported late in XXXX and XXXX but I was on an extended payment plan and was told when this became in effect that I would not be shown 30 days late. I have been written letters that have not aligned with my credit report status. Something has to be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, TransUnion, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting.

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX XXXX XXXX : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit card

I have a total of 7 hard inquiries that I do not recognize
Product: Money transfer, virtual currency, or money service

I tried to connect my account with XXXX, an online investment service, and was unable to do so.
Product: Checking or savings account

Last Friday - XX/XX/XXXX - XXXX was notified by Paypal, via email, that my account had a probably fraudulent transaction on it. Here 's the wording of the message. 
-- -- - XXXX XXXX sent you a money request NOTE FROM XXXX XXXX : We've detected that your PayPal account has been accessed fraudulently. If you did not make this transaction, please call us at our Toll-Free number XXXX ( XXXX ) XXXX to cancel and claim a refund. If this is not the case, you will be charged {$440.00}. XXXX today within 2 hours of receiving this email. This transaction will reflect on your PayPal activity after 24 hours. Our Service Hours : ( XXXX XXXX. to XXXX XXXX  XXXX XXXX, Monday-Friday ). 

Payment request details Transaction ID XXXX Transaction date XX/XX/XXXX -- -- -- -- I called XXXX ( XXXX ) XXXX, which directed me to a 'tech support ' phone bank, likely in XXXX XXXX 

Their 'tech support ' directed me to install an app called XXXX, which gave them control of my computer. They acknowledged that they owed me a refund, but required me to fill out an electronic form that linked them to my bank accounts. I was then directed to apply for a {$450.00} refund, but when I typed {$450.00} in their scam form, it became {$45000.00}. I saw that those transactions were posted to my bank accounts. At that point, I suspected fraud, reported it to my bank on my other phone. The criminal heard it and hung up. 

My bank voided the transactions and explained that the {$45000.00} transaction was actually the criminals transferring {$45000.00} from my XXXX XXXX account to my Checking. 

This is internet fraud at its worst, and it appears that Paypal was directly involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

2 BANK OF AMERICA Credit Cards are being reported on my XXXX Credit Report, we are a victim of identity theft.
Product: Vehicle loan or lease

In 2015, I purchased a used vehicle from XXXX XXXX in XXXX, MD and was trading in my old vehicle. XXXX XXXX had me sign two set of documents and they told me it was because they weren't sure which bank would take my loan. In actually, one set of documents had my trade on it and the other set didn't. A week after I purchased the vehicle, XXXX XXXX called me and said the bank wouldn't take the trade and I had to come get car, but also keep the vehicle I purchased. The documents I signed didn't have my trade on it. At that point, I couldn't pay both loans and called the bank to come get vehicle from dealer. The bank ( Regional Acceptance ) refused to come get vehicle, because they said I wasn't late or behind on payments. XXXX XXXX had vehicle delivered to my house and that is where the car sat until the bank came to pick up car two months later. Prior to that, I had never missed a payment or was I late. Now this vehicle is on my credit as a voluntary repossession and me owing {$23000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX