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

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to XXXX and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over XXXX requests to have my report updated. I have also disputed the balance and payment status of this credit card with XXXX, XXXX, and XXXX, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on XXXX, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response
Product: Vehicle loan or lease

I did a credit application with Fifth third bank. They denied me credit which is impossible when credit is a right. 

EQUAL CREDIT OPPORTUNITY ACT Title 15 U.S. Code 1691a - Definitions ; rules of construction The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

I am demanding an audit trail of the credit application & all documentary evidence with my name and social security number on it, On the public and private side.
Product: Prepaid card

The American express gift card is impossible to use anywhere. Instore or online. I want my money back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get fraudulent inquries off my Equifax report. 

I called chase where the online credit card inquiry was made thru and they help me with acknowledgement of this fraudulent activity. They sent off something to Equifax more then 90 days ago. 

I was told I needed to wait till XX/XX/XXXX to file a complaint about Equifax not doing there due diligence to act accordingly to the CRA laws. 

I have 7 fraudulent activities from XXXX Bank, Equifax refuses to help me with this and told me that I just need to wait till they drop off in the 2 year mark. 

This has made my score drop from this and even though I have done everything to fix this with XXXX bank, Equifax refuses to do what is right. 

I am at my wit 's end and I have a freeze on my Equifax account due to this fraudulent activity. 

Equifax said it is not their job to correct the fraudulent activity, XXXX has done their job by reporting this as fraudulent activity and yet this is still on my credit report. 

I should not need to wait till XXXX for this to be addressed when I have taken steps to correct this and XXXX has also taken steps to help me with this. 

Equifax thinks they don't need to follow the laws and they stated so to me on that last occasion I called them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue I have been experiencing with TransUnion regarding my credit profile and the inaccuracies associated with it.

Each time I submit a dispute to TransUnion regarding my credit report, I receive stall letters indicating that they are unable to locate my credit profile. This information is inaccurate, as I have received numerous credit reports from TransUnion confirming that my profile exists. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to complete their investigations within 30 calendar days, yet I continue to face this issue.

Additionally, there is an account reported on my credit file that has been inaccurately listed for over a year. I have communication transcripts from XXXX XXXX XXXX, which confirm that they have never reported my account as a charge-off.

I kindly request your assistance in having this inaccurate account removed from my credit file. I am prepared to upload all relevant documents to support my claim, including communication transcripts with XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt assistance.
Product: Credit reporting

Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and TransUnion being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither XXXX, XXXX, nor TransUnion, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX, XXXX, and TransUnion are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of XXXX, XXXX, and TransUnion 's reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

This account has been inaccurate and mishandled since it was closed. It was closed without my knowledge, however they continue to send me emails as if it is still open! 
You can only speak to foreign customer service reps who know nothing and are not helpful! 
Even though the balance is incorrect, I attempted to take care of it due to it being on my credit report! I was told it was with a collection agency called them and the collection agency said they do not have it! I continue to call back to figure out what the problem is and all I am doing is going in circles with this company! I am about to hire an attorney! 
This account needs to be removed from my credit report due to continuous inaccuracies and false information!
Product: Mortgage

Re : XXXX XXXX XXXX Since XXXX, I have been in the process of trying to get a home equity loan from XXXX and for some reason ( perhaps age discrimination? or another factor? ) the company is choosing not to approve the loan. 

After previously being denied ( when I was told I needed a co-signer because my debt-to-income ratio was too high ), I obtained a co-signer. We both furnished all the required paperwork ( an extensive amount ) and the loan was declined because as a self-employed business owner for 30 years, I was declared to be a non-independent XXXX. 

Is there such a thing? Wouldnt the correct term be employee? 

Of course the declaration is false. But the reason given for the denial was that because I contract with XXXX, a Third-party platform, and XXXX did not furnish a XXXX for XXXX, that means Im not self-employed. 

XXXX then informed me that due to being a non-independent XXXX, the only way I could qualify was to show more than {$5200.00} in liquid assets. Which I didnt have. 

I decided to try again, and sent the personal banker information from the IRS explaining that due to changes in the law, independent contractors may not receive a XXXX for XXXX unless they billed more that {$20000.00} ( which I did ) AND had at least XXXX transactions ( I had XXXX ). 

I also provided an official letter from XXXX verifying that I am not employed by XXXX, that I am an XXXX XXXXXXXX, have been working for clients referred by XXXX since XXXX, and the letter should suffice as proof. 

This time I thought the loan would go through. Underwriting spent time extensively reviewing everything and made a patently false determination I just received ANOTHER email from XXXX Home Loans stating that because I cant furnish a XXXX for XXXX, it means I am a non-independent XXXX and therefore do not meet the qualifications for a home equity loan. 

Which, again, is false. 

This company has treated me shabbily, and XXXX they are deliberately misquoting the XXXX XXXX XXXX own rules about XXXX contractors. 

I am convinced, beyond any doubt, that there is some underlying reason ( again age discrimination? ) for XXXX continual refusal to approve a home equity loan. And Id like for them not to get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, Equifax, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

for the past year, I have been disputing items with all 3 credit bureaus that are inaccurately reporting on my credit reports. This inaccuracy and lack of sending accuracy/ item validation reports when I've disputed the items has affected me a lot. I've had to take high interest rates and been denied of getting a home for my children and I.

Each time I dispute the next day or two they respond with " credit verified but no itemized or proof of how or where it was verified.

Ive disputed the following companies for inaccuracy, paid off, or items i have no idea about XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request the CFPB investigate this matter and work with the reporting agency to have this collection removed from my credit report. Also, I would like to ask you to confirm the findings and actions taken regarding this complaint.

Thank you for your assistance. I look forward to a prompt resolution of this matter.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America overdrafted my account by charging {$760.00} dollars for a check written for {$76.00}. BOA kept my account overcharged for a week plus overdraft fee.. BOA allowed XXXX XXXX to submit an ach withdrawal for an incorrect amount resulting in my account being overdrawn and having to borrow money from parents. I called boa several times but was met with indifference and told me it would be corrected over time. But I had no money for groceries. I had to borrow {$800.00} from my father causing me embarrassment and emotional distress for one week. BOA Has since corrected the charge but there has been no apology no reimbursement Offered for Having to borrow money.
Product: Credit reporting

Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.
Product: Debt collection

For the past four months, I have been receiving telephone calls from XXXX XXXX and other third-party companies seeking a resolution to an XXXX debt dated XXXX that was paid and resolved through a court stipulation in XXXX. Today, the XXXX XXXX XXXX, XXXX, stated is NOW a Capital One Credit Card ending in XXXX. I told her that a debt linked to a Capital One credit was resolved in XXXX XXXX, NJ XXXX in XX/XX/XXXX and for her to conduct due diligence before calling me again. I further stated that I have no outstanding debt or account with any credit card agency to date. 

Please ask XXXX XXXX at XXXX to stop harassing, threatening, and calling with false allegations and attempts to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
Product: Credit reporting or other personal consumer reports

According to Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B makes it unlawful to report information without my consent. Additionally, USC 15 section 1681 mandates accuracy, fairness, and privacy in the reporting of personal information. Under 15 USC 1692G, there are specific requirements for debt validation, and 15 USC 1666B addresses the timing of payments.

A fair resolution to this issue would involve Immediate removal of the erroneous information from my credit report.

Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ) GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my mortgage in XX/XX/2021. I have asked BofA to send me a copy of my mortgage payoff letter and my final escrow account statement. I have not received the final escrow account statement. I want it. BofA just sent me a check with no explanation. I have no way of knowing if it's the correct amount I'm due. See below for correspondence. I tried unsuccessfully to contact BofA. 


Auto Dealer XXXX XX/XX/2021 Thank you for contacting Bank of America XXXX XXXX. We have received your e-mail. 
A member of our team will get back to you within two to five business days. 

We appreciate your business and look forward to serving you, Bank of America XXXX XXXX -- -- - Original Message -- -- - From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX GMT-XXXX Subject : General question about my account >I received an email notification about my mortgage payoff letter. I am unable to access the letter. Please send it to me. Also, how much was in my escrow account, and when will I get that? This is frustrating. I can not view mortgage account history. This doesn't make sense. Does BofA delete its XXXX once that year has passed? No, BofA doesn't. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Good evening, So I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Credit reporting or other personal consumer reports

I have an identity theft issue and have been reporting this to the credit Agancys for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 XXXX  XXXX XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance $ 368 Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans
Product: Debt collection

On XX/XX/2021. I sent a notarized letter and affidavit of truth, certified all documents. THD/CBNA failed to reply and validate the debt of the account on my credit report. As a consumer my rights have been violated. My social security number and personal information has been shared with this company. I did not give THD/CBNA any consent or authorize any accounts with them. According to 15 USC USC 1692 the debt must be validated. Without any validation with the 30 days, the debt must be removed immediately.
Product: Student loan

Today I was sleeping and someone from FSA called me to verify my email address, when I looked at my phone it was to recover my password. I don't know what a fair resolution would be. I have to go to the doctors today and this is taking too much time.
Product: Debt collection

I have a open debt on my credit report with tsi Transworld systems yet I can not get a hold of them with the number listed on my credit report and no one ever answers or returns my messages when I choose that option .Agency Original Creditor Open Date Status Balance TSI/XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency TSI/XXXXOriginal Creditor XXXX COLLECTIONSStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsTRANSWORLD SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your ... 
I just want it cleared up so I can get a home loan some day and I ca n't even pay it