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

In accordance to XXXX XXXX XXXX they must furnish accurate information and update information that is inaccurate. When I observed my credit report on XX/XX/year>, I noticed incorrect balances. The XXXX XXXX  Account # XXXX balance showing on credit report is {$1600.00}, this balance is inaccurate. The XXXX Account # XXXX balance showing on the account is {$400.00}, this balance is inaccurate
Product: Checking or savings account

Bank of America closed my account and restricted my access after I made a deposit I never got the funds but it was credited to my account but I definitely have never received or got a refund check or anything so where is my funds also miscellaneous fee was charged to my account struggling to get a bank account after this happened for some time now I made a cfpb claim and bank of America acknowledgement of injury by email and never responded to the complaint in person as stated also I'm Uniform commercial registered member with full faith in credit
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) regarding a charge-off that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the charge-off remains on my credit report, causing significant harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX OF Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX CABLE Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX SERVICE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUITE XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX po box XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  It's showing that I've had several late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right. 

What would be a fair resolution to this issue? Copy and past this : " Update the account to Paid on time and never late. Or remove it from my consumer report ''
Product: Credit reporting

This would be a complaint against XXXX, XXXX XXXX XXXX, and Equifax, who I use to monitor my credit activity. Below is the original complaint sent to the FCCXXXX has been trying to charge me for equipment that supposedly was not returned to them in XXXX. After much arguing, a manager found that I had shipped back the equipment, they were scanned in at the XXXX XXXX hub, and lost from that point. XXXX agreed to refund my account. But yesterday, the company filed a collection account against my credit via XXXX XXXX XXXX. I contacted the collection agency and they were able to see that I was in fact, owed a {$160.00}, which I have never received. I am also a current XXXX customer and my account is in good standing. I would like my {$160.00} refund and this removed from my credit immediatly. 

Equifax conducted their review and determined that the debt is mine. It absolutely is not. The representative at XXXX even advised that I was given a credit refund ( which I have never received ). I am a current XXXX customer in good standing. I paid that bill from XXXX in full and XXXX admitted that it was the carriers fault that they did not receive the equipment that they are charging me for.
Product: Debt collection

I'm having financial problems and have fallen behind on my credit card payments. On XX/XX/2019 Navy Federal Credit Union transferred money from my checking account without my consent to pay credit card debt. Can they legally do that?
Product: Student loan

This complaint is about account control technology inc. In XXXX   XXXX california they are the loan servicer on my student loans to start off there's a guy named XXXX who called me 15 times a day while at work and home he was relentless to the point I shut  my phone off these people are suppose to help me not harass me I asked for a loan discharge do to the fact I didn't have a XXXX  they say I checked the box that said I did I went into my account and I didn't check that box now they locked me out of my account I also told them when I went to school to become a XXXX XXXX worker I was not able to benefit from these classes cause I was told you can not work for XXXX XXXX   with XXXX   XXXX I have XXXX witch automatically puts me in disqualifying status that me the borrow could not meet because of the legal requirements required by the job the loan servicer didn't care and will not help me I asked for a full review of my student financial aid account from top to bottom they say I owe XXXX plus interest XXXX is the total they took a tax return for XXXX XXXX bucks that does not show they took I went to school for a short peiriod XX/XX/XXXX to XX/XX/XXXX So not for very long I stopped going because there was no way for me to benefit with XXXX XXXX XXXX plus no XXXX  the total time spent out of those dates at school was a short peiriod that's why I asked for a full review of my account immediately plus the XXXX XXXX tax return that doesn't show in the balance plz help me get this stopped or at least help me get a full review or loan discharge for false certification for disqualifying status because of my XXXX XXXX witch the school knew about but never told me i couldnt become a XXXX XXXX   worker they also knew i didnt have a XXXX so now they have attached my wages I can barely afford to feed my children plz help me I'm a single mother barely hanging on I'm so stressed out over this it's created a financial hard ship I don't know what to do I'm at the end of my rope with XXXX so bad I can't sleep eat barely make it to work these loan servicer are not out to help me there out to sink me and my children please help me thanks for your consideration I don't know what to do sincerely lost hope.
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 Account 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: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.
Product: Consumer Loan

We requested just XXXX form Exeter Crop, but Exeter refused to proved us with XXXX form. We need the a XXXX so we can refinance at with lower rate with XXXX XXXX. Because we not happy with hight interest rate which is 14.7 % when have much lower interest rate with XXXX. We do have above average credit. A XXXX Form is a common request between companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that M & T BANK is reporting inaccurate and incomplete credit information. 


I would like to state that M & T BANK is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. M & T BANK has been paid in full, I am demanding that M & T update XXXX and advise them to report on time for the months of XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. 


Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reviewed the consumer inquiry. We are a third-party collections agency working on behalf of the current creditor of this account, XXXX XXXX XXXX XXXX This account ending in XXXX was placed in our office on XX/XX/XXXX to collect on the past due balance of {$2700.00} for the XXXX  account ending in XXXX. We mailed out notice of the debt on XX/XX/XXXX. Additionally, we mailed out instructions to complete a fraud packet on XX/XX/XXXX. According to our records, this account was opened on XX/XX/XXXX and cancelled on XX/XX/XXXX. The last payment on the account was for {$170.00} on XX/XX/XXXX. 

This company is putting a debt on me that is not mine and makes no sense above is the letter they sent me in response to my dispute. Which states the account was open on XX/XX/XXXX and closed XX/XX/XXXX. Last bill on XX/XX/XXXX. Which those dates make no sense if account was opened XX/XX/XXXX. How can last payment be XX/XX/XXXX. It also says account was closed on XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX  by Comenity Bank I paid off the account and told them to close the account I asked to pay extra on the amount due they would not accept the extra {$10.00} They charged me a {$2.00} finance fee and they then charged me {$15.00} twice for fees on a closed account. 
I want these tactics noted and Id like the company under investigation. I never had a problem over paying my final amount to prevent from getting more fees on a credit card. Im upset and I do not want to pay these fees. 
I have found Comenity Bank to be unethical, greedy and suspicious in their practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated
with my identity theft.

2. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3. Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

In accordance with the Fair Credit Reporting act 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. The following accounts listed as inquiries on my report were not made by me. 

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, credit repair services, or other personal consumer reports

This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, Equifax, and XXXX   with regards to this account because it had not reported any payment history since XX/XX/XXXX. On XX/XX/XXXXin response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX   and XX/XX/XXXX, even though 120 days has yet to pass from those time periods.
On XX/XX/XXXX, XXXX  was paid {$230.00}, the remaining  balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX  IL. XXXX. Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX , ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX , ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX, ( 8 ) XXXX XXXX XXXX, ( 9 ) XXXX XXXX ( 10 ) XXXX XXXX XXXX XXXX XXXX, ( 11 ) XXXX XXXX XXXX, ( 12 ) XXXX XXXX XXXX, ( 13 ) XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$94000.00}
Product: Credit card or prepaid card

I paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen several items reporting on my credit history that I did not authorize this is a form of fraud an identity theft Im applying that these items get removed off my credit report immediately.
Product: Money transfer, virtual currency, or money service

First paycheck from XXXX, as an employee, is being withheld because can't confirm if they mailed a check or not. I set up direct deposit information but they can't confirm if the funds were electronically delivered either. I have neither received the funds electronically or by mail. I have informed delivery through the USPS and can confirm constructive receipt of all parcels in the past 10 days. No correspondence is identifiable from ADP has been sent or delivered. 

I have contacted them 3 times for a total of 3 hours and have been promised escalated attention 3 times. No one has called me to resolve. I am now 10 days beyond when I should have received the check. They have given 3 separate answers to why they don't know what happened, all of them ending with " we don't know if it was mailed or not '' but a supervisor will call you and research it.