23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : XXXX XXXX XXXX Acct # XXXX {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation. 
XX/XX/XXXX They responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( XXXX XXXX XXXX  ) To date ( XX/XX/XXXX)  The Furnisher has not complied with the FCRA. They have refused to respond to my request for information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXXI filed an identity theft report XX/XX/XXXXI called Experian to resolve and was told there is no way to fax documents. I was told to use their upload site. 
XX/XX/XXXX Attempted upload via experian.comXXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXXI attempted to submit the dispute online at experian.com the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute. 
XX/XX/XXXX I sent a third certified letter to Experian requesting the information be deleted. and including the identity theft report. 
Both Experian and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both Experian and the furnisher are in violation of the FCRA.
Product: Checking or savings account

This is a copy of a complaint I just filed with the XXXX about Bank of America. I beleive it also shoudl be on file with the CFPB, which XXXX want to pursue its own investiation : Thank you for taking my complaint. 

This is part of a larger problem affecting Bank of America ( BoA ). I request that the XXXX investigate this to ensure the issue is resolved and that BoA take steps to ensure it does not reoccur. 

On XX/XX/2024, per my request, BoA cancelled a XX/XX/2024 online bill payment from my checking account ( {$2500.00} ) because the payee did not receive the check BoA had mailed her ( it XXXX have been lost in the mail ). In an online message to me, with case # XXXX, BoA confirmed the cancellation and said the cancelled amount would be credited bank to my checking account " within XXXX to XXXX business days. '' It is now XX/XX/XXXX, and the {$2500.00} has not been credited. ( Note that BoA has confirmed that the original bill-pay check has not been cashed. ) Beginning XX/XX/XXXX, I repeatedly have spoken to BoA representatives, all of whom have been very apologetic but at a loss to explain why the account hasn't been credited within the promised XXXX to XXXX days. XXXX assured me on XX/XX/2024 that the amount would be credited to account by end of day, which did not occur. The bank now tells me that it can not say when the account will be recredited and that this is part of a widespread problem! 

The representatives tell me that this is being caused by an issue with the " bill repayments system. '' A supervisor in the bill payments department, XXXX, just told me this morning that this problem is affecting many BoA customers. " It's a known issue for all our customers, '' she told me. " I can not give you a time frame. '' She told me that this was the sixth call she has handled about this problem just this morning. Earlier in the day, representative XXXX in the XXXX XXXX department told me that while accounts are supposed to be recredited within XXXX to XXXX days, he has seen this kind of delay many other times at BoA. " For me, this is not unusual, '' he told me. 

While I expect the money eventually to be credited ( I hope ), these delays and conflicting answers are not acceptable. BoA customers need access to their money, and this type of delay and misinformation can have serious consequences for someone who needs to make payments only to find their money held up indefinitely. I am requesting that XXXX investigate BoA and take appropriate action to ensure that money is credited back to deposit accounts in a timely manner. 

Please feel free to contact me. 

Please note : I am submitting a copy of this complaint and request for investigation to the Consumer Financial Protection Bureau for its records. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them
Product: Credit reporting or other personal consumer reports

I just checked my credit report this morning and found unauthorized inquiries that I can not explain. I refreshed my browser, thinking it might just be a glitch, but nothing changed. Im beyond frustrated, and I need you to immediately review the documents Ive sent so I never have to worry about this problem again.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and the inquiries aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a Reinvestigation line by line of the following accounts because they were not corrected, or In Accordance With the Fair Credit Reporting Act. I am requesting a Reinvestigation of the following accounts because these accounts can not be opened and closed at the same time, and this is inaccurate reporting. My federally protected consumer rights have been violated and I expect the credit bureaus to ensure that companies follow the law. I'm requesting a Reinvestigation line by line of the following accounts they were not corrected In Accordance With the Fair Credit Reporting Act. My federally protected consumer rights have been violated : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged ALLY - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.
Product: Credit reporting or other personal consumer reports

After recvent review of my credit report, I found that XXXX XXXX XXXXXXXX reported that I was late in my loan payments for the months of XXXX and XXXX of XXXX. I XXXX  that I was never late in my payments to this company and that I paid this loan off in full without ever missing any payments.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am tryuy upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I sold my vehicle and was due a refund from Chase. They hold the refund for 2 weeks prior to sending it to me.
Product: Debt collection

CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.
Product: Student loan

Previously, I filed a complaint with " XXXX XXXX XXXX '' but after  subsequent letter in the mail, I have the real debt collector regarding my student loans. This is the debt collector, " Performant Recovery '' located in XXXX, CA. 

Letter states, dated XX/XX/XXXX a student loan has been referred to " XXXX XXXX XXXX. '' This letter specifically states that " Federal Regulations require that we inform you that our client may elect to administratively garnish your wages.. '' Let 's recap. I've been unemployed on and off since XX/XX/XXXX. I have been unable to secure full-time work since. This type of predatory debt collector, who, is in another state sends me a threatening letter about either ( 1 ) single student loan or multiple loans stemming from unknown creditors and not record of being contact to defer payments or explore further option. This predatory collector just thinks a recipient is going to be financially taken advantage of for a large balance no one could possibly pay off and have no hard copies from the original student loan creditors, nor an explanation how they came up with this number. I have the letter scanned to send as proof. 

Collector name on the letter is " XXXX XXXX '' which matches the name of the person that phoned two family members within minutes of each other. On XX/XX/XXXX this person called a brother and sister-in-law. Asking for me. This practice is unsavory and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX Account XXXX : XXXX Please update- All New Reporting Information to- paid as agreed and current 14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX BANK Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

Aidvantage is has recently taken over my Federal Student loan payments and it has been a stressful situation. I paid on time XX/XX/XXXX {$100.00}. I received an email payment has been received. Weeks later I received an email my loan payment is late. I check my aidvantage account it stated reversal. My bank account has the sufficient amount of money. Icalled multiple times waited hours on the phone during my work day 2 hrs. I never get through to anyone as well their operation hours are normal working hrs no extension XXXX etc. On XX/XX/XXXX I paid {$200.00} XXXX ( repaying ) and XXXX payment ( my due date is XXXX  ). I paid to ensure no default because I am on an income base repayment plan. As of today it states I no longer can be in the program because I have defaulted on my loan. I always pay my loan payments with previous owner of my loan monthly prior to XXXX. This impacts my credit and my life circumstances. Aidvantage is taken advantage of their consumer to create more interest and higher payments when default on income payment plans. 
I have sent two emails XXXX no response and XXXX I do not know why the banks states reversal when I have sufficient funds and the Bank information is correct. 
Pleased support in this matter at best.
Product: Checking or savings account

We are a coaching business ( XXXX XXXX XXXX ) that has been going for almost 2 years and we launched a new program that has been very successful. We were notified XXXX of XXXX that because of our increase in volume they were reviewing our account for risk and ask for us to provide them with information. We had a brief message from them with no detail and were told to arrange an appointment. We have been trying to do that but BofA customer service says they can only send the risk department an email. As all of our client payments go through this process they have essentially bought our small business to a stand still. We continue to serve our clients as they have paid in their opinion but Bank of America is holding our funds and refuse to transfer them. We have called every day but to no avail and we need the funds. This is the first time I have ever been penalized for success. They are causing significant consequential damages to our business.
Product: Credit card or prepaid card

The credit card company comenity bank issued a card for a store called XXXX. XXXX went bankrupt, I can no longer use the card, I seem to be no longer issued credit, so when I make a payment it isnt helping my pay down balance. How can a store close with a bankruptcy and still hold us responsible for the bill? And even if we still are why is the balance on my card going down, but available credit is still zero? Its messing up my credit score
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. 


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

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

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

This company is reporting on my XXXX and my XXXX but it is incorrect. I have never done business with this company. I have gone down to the actual apartment complex that this debt was originally owed to and have shown documentation supporting my claim. I want this off my credit report as this debt was in the result of neglect on the apartments part NOT MINE. I have tried contacting National Credit Systems multiple times with no luck. This is becoming a huge burden when its not my fault.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with XXXX requesting a reinvestigation, the issue remains unresolved to this day. 

Equifax XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file all personal info is incorrect Please inform EQUIFAX to remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 


I WOULD also like all phone numbers deleted that are not associated with me anymore .The phone numbers being reported are incorrect. 



Please update my address toXXXX XXXX XXXX XXXX, XXXX XXXX Please update my phone number to : ( XXXX ) XXXX
Product: Checking or savings account

Chase reversed fund n gave to XXXXi had no idea this was happening. I haven't received anything regarding investigation. And now they are telling me that they have a right to my account. And I can't make another claim.. They stole my money and chase isn't protecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, 2023, XXXX XXXX  XXXX Reported : XXXX XXXX, 2023, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX and Transunion about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!