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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$22.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : $ XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought from XXXX an XXXX XXXX in XXXX, and they a mistake by sending five boxes instead of one. I returned all the boxes to XXXX, and XXXX credited my account with Discover Card which was charged. Discover card did not acknowledge the credit and they still are charging me with the price since that date until today. The amount is increasing over time for their charges. The charge today is {$780.00}.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused me significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Experian with inaccurate information appearing on my report, they updated several issues but failed to update the following issues as well : In addition, There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current Employer is XXXX XXXX, my previous Employer was XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I have been attempting to unfreeze my Equifax credit report online for the last two months. I mailed a notarized and certified letter dated XX/XX/year>, stating to unfreeze my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. I have recently discovered several accounts that I did not initiate and strongly suspect to be identity theft. These accounts are negatively impacting my credit score and financial well-being.
Product: Credit reporting 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17.00}, XXXXXXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1100.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company has been inaccurately reporting my status. Ever since XX/XX/2018 I hired XXXX XXXX XXXX as my power of attorney to help me settle my XXXX XXXX. I will be attaching all the documentation. They were constantly being contacted by the law firm to try and settle but they kept refusing. However finally recently when Covington credit used a XXXX party collection agency, I was finally able to settle my debt with Covington credit for {$390.00} paid in full mid XXXX. 

This company knew that my lawyer has been trying to settle with them. I understand that I was behind in my payments but to indicate my account as charge off when they knew I was under contract with XXXX XXXX XXXX seems very unethical. Plus, I was to make no contact with them individually per my lawyers request. 

I have attached as much documentation as I could. I should not be penalized for the lengthy and grueling process of the back and forth of settlement offers between my lawyer and Covington Credit.
Product: Checking or savings account

Someone charged {$300.00} I want refunded back into my KeyBank account because it was fraud and it was taken from an ATM somehow so I already replaced my card. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Name : XXXX XXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit card or prepaid card

Bank of america has yet to provide me provisional credit and it's been longer than 10 days they allowed someone to steal a lot of money from me I got my new card but yet to see any provisional credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurately. There are multiple accounts on my credit report that are closed /paid and being recorded as current. XXXXXXXX XXXX can not report a accurate score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I applied for a personal line of credit from TD Bank XXXX XXXX XXXX, XXXX, Ma for $ XXXX. I have a $ XXXX personal line of credit which is paid off and I was going to close. I called XXXX at the branch on XX/XX/20 and he said my application was denied without a reason. I called XXXX at the Loan department and she gave the following reasons : 1. The Term was not requested ; 2. Insufficient Credit ( that I dont have previous unsecured loan ) ; 3. Have product already. 1. I explained to XXXX that the new employee taking my application did not ask me for a Term and XXXX said that I did not need a term for a PLOC ; 2.  I explained that I have relationship with the TD with a $ XXXX PLOC and that 3. I was planning on closing the $ XXXX PLOC. I asked what my credit score was and she said she could not see it but when I called XXXX back he said it was XXXX. XX/XX/20, I received the denial letter from TD and it states the following reason No Credit File/History and your credit score : XXXX. My current credit scores are : XXXX : XXXX ; XXXX : XXXX and XXXX  : XXXX. I do not understand and I feel that I am being discriminated against and I will be filing a discriminating claim with MCAD and Massachusetts Attorney Generals Office. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on a student loan with asc. They did not notify me that the co-signer was late. They also didnt credit the accounts full payment which is what made it more than 60 days late which is their error! It should not have ever been that late and if it is I expect them to notify me before hitting my credit. This is the third time their payment system has made an error, luckily I caught the others.
Product: Credit card

I need to know the indentured trustee for synchrony bank in order to pay them. 
Please send me the indentured trustees name and the address to process the bond. 

Thank you, XXXX XXXX
Product: Bank account or service

On XX/XX/2016, I realized that my ATM card was used without my authorization. 
I contacted SunTrust Bank to report the problem. 
I received immediate credit, there after a week later the credit was reversed out of my account, where the SunTrust Representative stated that the charges were in fact valid. 
I sent rebuttal statement to continue to have the matter resolved with no success. 
I filed a police report to hold the responsible party who used my card without authorization accountable. 

The lead investigator for SunTrust Bank is stating that I was the primary user and that the claim has been denied and closed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX  account number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there XXXX be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company.

Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section XXXX ( b ) of XXXX XXXX. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of the FCRA.
Product: Credit reporting or other personal consumer reports

I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX XXXX
Product: Payday loan, title loan, or personal loan

One Main Financial in XXXX, IL is not abiding by the Predatory Prevention Act and are still charging 55 % interest on a title loan. The interest is more than what goes to principal. I have tried talking with them and they would not lower the rates. On a {$300.00} payment, {$130.00} is principal and {$160.00} is interest. My fixed income is making it difficult to make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, Equifax asked for documents for me to lift a security freeze and restore online access although they always had all needed information from the original security freeze. 

I am trying to refinance my mortgage today and can not lift a freeze. I lifted with the two others and not with Equifax. 
I called today and they are asking me to resubmit the same paper documents they have from two years ago. This is not acceptable and now my mortgage refinance process is at stake on a tight timeline. They also have policies where they say I can not speak with them on speaker phone and are very unfriendly and unhelpful. I can not email them or do anything online to solve my problem I am stuck with a bad XXXX number. 

Please help me get my credit unfrozen and online account restored. Equifax is the only credit reporting agency holding my credit hostage during an important financial transaction. 

XXXX
Product: Debt collection

XXXX at Meridian Financial Services , inc has been told on more than one occasion, that I am available to talk on Fridays. Yet they still call everyday some times more than once. The started right of at XXXX something XXXX  this morning. I have tried block the number no good. 
I have also explained the pandemic hit while I was taking care of 7 people one income. 
This is a very disgusting way to treat people. I do believe it will be a few months and all will hopefully be settled. The daily needs to stop and Fridays need to be respected. Harrassment is unexpected. Respect goes a long way.
Product: Debt collection

I am not liable for the debt that Credence Resource Management claims that I am due to pay because I do not have a contract with this company. According to the fair credit reporting act, if a company can not provide the proper verifiable contract that shows that I am liable for that debt, then the information that is harming my name is to be removed from my credit report. I demand this account to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my Experian report as a result of my dispute. On XX/XX/2020, Experian re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' Experian failed to notify me of the reinsertion. I was notified through my own credit monitoring software. I have attached proof of said deletions and reinsertion.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/. I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a preapproved letter from Bank of America to apply for card. I was declined. My credit is excellent. When I called, no one could look at the application to see if error was made and the associates told me it was all done though a computer and no live person was available.