23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX Case No. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I been trying to get a real bank account, but I have been unsuccessful and if I and successful the bank either close within a week or two saying they relooked at my information and decided to close without telling me a real reason. I believe thats against the law for misjudgment and you cant deny someone without giving them the real reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed that opening a line of credit with XXXX XXXX would be a soft inquiry and not a hard inquiry. When I informed the manager, XXXX, he misinformed me and it was a had inquiry, he was rude. I told him that the card needs to be cancelled and he said your credit will eventually go back up. I have reached out to the company and they referred me to TransUnion.
Product: Debt collection

The company known as AFNI, a debt collector agency, has been calling me non-stop since XXXX about an old phone debt from XXXX. AFNI typically calls about 2-3 times a day, especially while Im at work. They also occasionally call me during Saturdays as well. I have calling the number back a total of 3 times to tell the representatives that I no longer want to receive phone calls about this debt. Every time that I said this, the representative that I was talking to replied by saying that they will take legal action if not handled soon.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility and additionally the bank has committed to updating the status to open/never late. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account XXXX XXXX XXXX XXXXXXXX ....
Product: Bank account or service

Fax XXXXOffice of the Comptroller of CurrencyXXXX*NOTE : All supporting documents are available at XXXXXXXXXXXXHuntington Bank has charge me {$700.00} in fees associated with a faulty mobile deposit feature in their mobile banking app since XXXX and refuses to admit it 's their fault. 

I attempted to make mobile deposits with the Huntington Banking app via the iPhone. Apple had just released the new iOS8 and the app was n't working properly. The bank cutoff for deposits is midnight. I attempted to make the deposit repeatedly from XXXX on on XXXX and it finally accepted my deposit at XXXX on XXXX/XXXX/14. I contacted the bank 's XXXX number but they said that only my branch manager could help. I reached out to the XXXX branch manager, XXXX XXXX, on repeated occasions but never recieved a phone call in return. I spoke with XXXX and XXXX. 

I made the following calls to XXXX to resolve the issue beginning the day I received the initial fees. XXXX branch phone numbers below are XXXX & XXXX. 

XXXX/XXXX/14 XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX only replied XXXX, XXXX & XXXX. Those voicemails are available via the link. 

After XXXX XXXX XXXX XXXX phone calls to resolve the issue, I finally emailed the branch manager at XXXXXXXXXXXX. 

I emailed XXXX on XXXX to resolve the matter and was told that she would look into it. Then she was gone until XXXX. I asked her to freeze the account so that no more fees would accrue. I checked on XXXX to find out that my account was not frozen and was continuing to receive overdraft fees. To which, XXXX responded, " Huntington Bank does not have the capability of freezing accounts at this time. '' Seriously, a bank has no authority to freeze an account? 

Since she was out of the office, I had to go to corporate. After weeks of being shuffled around, I finally spoke with someone at their corporate office and after he checked into it, left me a voicemail stating, " we have had no issues with the mobile banking platform for the entire year of 2014. '' Again, really? I have screenshots that prove otherwise AND, their own updates state that the updates include " bug fixes. " Now, for some reason, Huntington bank stopped hitting my account with " Extended Overdraft Fees. '' The last fee being on XXXX/XXXX/14. How were they able to do that if the bank can not freeze fees? 

Because, it is clear they were having major issues with their mobile app conforming to Apple 's iOS 8 update, I simply want the initial " Overdraft Fees '' and " Extended Overdraft Fees '' refunded. 

( Also, if an account is negative for so long, why would you even let a charge go through if NOT to just charge another fee? Again, I had asked you to freeze the account so that no automated payments would go through. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES {$700.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation. 
Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX  days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure where to begin I have nothing in particular so let 's start from level 0
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I requested my credit report and credit score from TransUnion by mail. I included a {$15.00} check with my request, knowing that the credit score itself had a fee. 
TransUnion cashed my check on XX/XX/XXXX, per my bank. 
On XX/XX/XXXX, and then again on XX/XX/XXXX, I mailed a follow-up inquiry to TransUnion for the status of my credit report and score. I received no response. 
An XX/XX/XXXX phone call to TransUnion led me to talk to XXXX, who " could not pull up my file '', so he asked me to call back. On my second phone call, XXXX said my request was " being processed '' and would take up to ten more days. 
Confused by the information being given, on XX/XX/XXXX I had a bank representative at XXXX XXXX, from which my {$15.00} check was drawn, call TransUnion to get some answers. Supervisor XXXX at TransUnion stated that he found no record of my request, that XXXX had told me only the day before was " being processed ''. After an hour on the phone without a clear answer, XXXX tried to pass me off to another Supervisor, but this seemed futile. The call was ended. 
On XX/XX/XXXX, my credit report from TransUnion finally arrived by mail, but it had no credit score included, stating that the score needed to be paid for. My {$15.00} check, cashed by TransUnion on XX/XX/XXXX, was that payment. TransUnion has not provided me with the credit score I specifically asked for and also paid to receive. I would like TransUnion to provide me the credit score I requested three months ago. 
Sincerly, XXXX XXXX
Product: Debt collection

I recently checked my credit reports and there is a collection listed from Hunter & Warfield. I lived in that apartment for a total of 5 years and never was the carpet replaced even thought I continued to sign lease. in the lease it states that tenant is only to be charge if damages were from pet. It also states that tenant will not be charge for normal wear and tear. the complex decided to upgrade their apartments after my decision to not renew my lease. them trying to make me pay for more. than 5 year old carpet is ridiculous. Im in the process of trying to buy a house and this collection is causing great distress. I demand that it gets removed immediately
Product: Debt collection

Based on complaint : # XXXX XXXX claims debt originates from XXXXXXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX / XXXX - ( XXXX ) XXXX and they did not have any records of me every having an account. 

They transferred me to the department that handles charge-offs and selling accounts - XXXX XXXX XXXX XXXX and they have no record associated with my social security number. 

They recommended I contact XXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX - XXXX ( XXXX ) XXXX and they only found two accounts ( current ) having ever been opened under my social security number. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX XXXX - XXXX XXXX XXXX XXXX to discuss the above and they have been told to no longer discuss this account because I filed a complaint and the complaint department will be handling this. I requested to speak to the manager and was transferred to the voicemail of XXXX, out until Monday. I identified myself by name and social security number and advised of the above and that the Proof of Debt Validation letter has arrived and that I would be awaiting a response. 

It has been 14 days since my wages have been garnished for a debt that is not mine. 

CC : Virginia Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX  XXXX
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. 
: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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

I wrote XXXX and Equifax and requested that they remove the inquiries. I called XXXX and Equifax and requested that they remove the inquiries. Each respective agency suggested that I submit an identity theft claim to the FTC, print out the report, then send a copy to each of them. 

I sent a request to each company and asked them to remove their respective inquiry. Only XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX has responded. 

XXXX and XXXX XXXX findings were inconclusive or they were able to verify the unauthorized I attempted to submit the identity theft report to the FTC ; however, I was redirected to the CFPB website, whom I am told, addresses everything relative to credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, ( XXXX ) has been closed since XX/XX/XXXX. XXXX and the credit bureau ( Experian ) has continued to report negative information on this particular account. No more reporting of information should be happening. This must cease immediately!! They have reported in XX/XX/XXXX that this account is negative. According to the FCRA, no more negative reporting should continue if an account as be closed, paid, satisfied, included in a bankruptcy. Why are you continuing to report??? Im demanding this account be removed immediately or I will file a lawsuit against both XXXX and Experian for continuing to report negative information on my credit report after the account has been settled. You are totally breaking the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Experian and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX  I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT XXXX [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX XXXXXXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.
Product: Credit card or prepaid card

I was contacted in XXXX XXXX XXXX by A XXXX from Bank of America about getting my cash rewards in the amount of {$74.00}. then I received an email saying I had requested a XXXX XXXX XXXX XXXX in the amount of {$5400.00}. I in turn sent this the the abuse email address on the email. I HAD NOT requested any Cash advance. XXXX from Bank of America called me and said there had been a mistake made and that they would take the money from my account that it was sent to and credit it to my credit card account. The money was taken from bank in the form of an ACH in the amount of {$5400.00} but was never applied to my credit card. I have filed XXXX fraud cases with Bank of America both have been denied. I have the copy of the ACH form with the man 's name, address and where he put the last 4 digits of the card number on also. Bank of America says they are not seeing this as fraud. Even though I did not ask for the Cash Advance. They will not look into this. Also ask for the copies of what I had sent them back to which I have received nothing
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them. 

Accounts : XXXX ACCOUNT NUMBER : XXXX BALANCE : {$730.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} DATE OPENED : XX/XX/XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE {$730.00} DATE OPENED : XX/XX/XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$130.00} DATE OPENED : XX/XX/XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$950.00} DATE OPENED : XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$0.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} DATE OPENED : XX/XX/XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} DATE OPENED : XX/XX/XXXX Inquiries : XXXX XXXX XXXX