23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and 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, credit repair services, or other personal consumer reports

Bank of America allowed me during Covid to delay my payment. Then, they reported me 30 days late to the credit bureaus
Product: Credit reporting

I have tried XXXX times to purchase my report and score from Equifax. I have been told to send current photo idand social security to them to correct my personal information. I was told there were too many " soft '' inquiries on my report ; therefore I am not allowed to pullmy credit report. I have been dealing with the problemfor several weeks. My report is not being updated on aregular basis compared to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

After checking my credit report my mortgage holding is reporting information thats stopping me from being approved for credit card, XXXXXXXX XXXX. i applied for a loan modification do to covid19 it was approved the report reading loan modified under federal government plan. the statement is hurting my credit thats my personal busniess and should not be shared with out my permission, such reporting hurting my credit also on 2 credit report showing no late payments on 1 showing late doing loan modification this is not right, several letters been sent to carrington mortgage also all 3 credit reporting this needs to be corrected also updated to all credit reporting company and letter sent to me showing what action was taken to fix this issue ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my social security card, identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed.
Product: Credit card or prepaid card

I have never used XXXX. I noticed some XXXX charges on my bill and called Chase Bank to report the fraudulent charges. They asked me to look through my bill and report which charges were fraudulent. I told them that I never used XXXX and all the XXXX charges were fraudulent. I looked through the rest of the bill and told the representative that I didn't see any other fraudulent charges. 

They told me they'd cancel my card, issue me a new one, and reverse all the XXXX charges. They reversed most of them, but I had to go through and check their work. I noticed five charges they failed to reverse, totaling {$110.00}. 

This is unacceptable. I shouldn't need to check their work. They failed to verify that they reversed all of the charges. This sounds like a broken process and one that the Chase Bank has no incentive to remedy. 

The transactions they failed to reverse are as follows : XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX
Product: Bank account or service

On or about XXXX XXXX, Chase bank closed my husband and my accounts. First my husband was paid on or about XXXX XXXX, a week ago. He found he could not access monies to move over to my account ( which were linked ). He was first told that his account was suspended for fraud? In which we were NEVER informed to find out that was n't the truth either, they 've known since and before our payroll hit that they were going to suspsend our accounts and never contacted us accordingly, which left us without knowing our rights and access to any monies left over from payroll/EFT depoists. Then a day later to find that it was suspeneded for mismanagement/NSF charges on Saturday and that we should be receiving a letter-we/I do not deny, however, I did not find out my account was also supspended until Monday, XXXX XXXX. We were NEVER notified in writing, and it has been well over a week since Chase audit departments initiated closing our accounts, hence, they should 've sent us a letter in advance, letting us know that our monies would be held to cover any overdrafts and or incoming transactions and when our remaining monies would be returned. 
I find these practices unlawful and illegal in the since that I have no monies and because of a XXXX situation, I was not able to quickly find out the status of my remaining funds, which could have left me in danger! To date, it has been well over a week and we were not notified via Chase secure server and other ways they could 've informed us that our monies would be withheld via the closiong our our accounts. I am not denying the reason for closing, but the illegal and deceptive way Chase has gone about this matter and not properly notifying in writing and what and when, what we can do about the matter, in regards to our rights and their right to just withhold/close our accounts with nothing in writing or a reprieve. I am a XXXX veteran and my income in limited with a XXXX issue happening in my home, which left me unable to pay many of the bills I need to XXXX survive and to take care of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act. ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025CFPB0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I want removed : XXXX XXXX XXXX
Product: Credit card or prepaid card

I was online reviewing cc statement when I did an online chat with XXXX id # XXXX. He said I could lower my rate to 10 % but no more purchases allowed and my recurring charges would stay and I can keep access to my points I've earned. He even said I should get a gift card with my points. Two days later I had zero access to my point and my account was being treated as I was in collections. I called back requesting it back to normal and multiple agents said yes we will fix. I keep calling back and they say I'm denied and they pulled my credit. I did not give permission for them to do that. I've never been late and the points I've earned are gone. They on my last but XXXX call they XX/XX/XXXX they would escalate it and have management call me back. Today I get a call from an agent XX/XX/XXXX leading me that he is the escalated manager and they at the end says Im the XXXX the guy you spoke with ... very shocking and I said fix it. He said no. I said why did you just miss lead me. He did not care! You told the wrong info and all he could say is call the rewards center he don't know now. I just cant understand why this is happening. I would never give up points I've earned. Its like a ha ha we got you. I've never been late either.
Product: Student loan

My loan were with federal loans. I submitted pw to them in XXXX or XXXX to see how many payments would qualify under the temporary forgiveness program that ends XX/XX/XXXX. Every month contacted and monitored progress. Still in XXXX many of my payments were saying waiting employment verification. I have been with the same employer for XXXX years. So it makes no sense. I emailed them and never heard from anyone. I XXXX XXXX them and nothing happened. All of sudden in XXXX they send letter that my loans are getting transferred to mohela. They just got transferred two weeks ago and I resubmitted my forgivenness form because it showed that I didnt have one on file when I did have one on file. I have waited forever on phone to speak to rep to no avail. Yesterday my forgiveness payments were loaded and still says that many are not eligible or waiting on employer verification. I would appreciate some one helping me to solve this problem. I will need to restart payments in XXXX but i do not think I need to. I do not want this to affect my credit if I dont pay. Please help. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I have multiple issues with Bank of America to start off with. I have had to cancel my card multiple times due to fraudulent activity with the same company ( XXXX ) twice already, taking money out of my account and once with another company. Is n't that what the chip is for? For better security? This has n't only been frustrating but a pain because I ca n't use any of my money because my card is cancelled, also frustrating because I 've had a new card 4 times already and it has n't even been 2 years! Another thing is, I use an app called XXXX, which allows me to access my paycheck early so I can pay bills, etc. It relys on Bank of America to send information in a timely manner such as account balance and recent transactions in a timely manner in order to do this. Bank of America highly slacks in speed towards their customers, even on business days, it took them almost 3 days to relay information during the week which is unacceptable when I 'm trying to manage my money. One last thing is, I honestly think it is outrageous how many fees Bank of America charges to use YOUR OWN MONEY. If you withdrawal too many times you 're telling me you 're gon na charge me a fee? That 's ridiculous. And if I transfer MY money between MY accounts too many times you 're gon na charge me a {$10.00} fee? I think this is ridiculous and all of these issues should be looked at. Not all banks operate this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE XXXX XXXX I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$1600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that Experian has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to bully me I will not stand for it I HAVE RIGHTS!!! 
this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to remove information and they refuse to furnish signature for the erroneous information. Under FCRA I demand proof of these inquires. Signatures!
Product: Payday loan, title loan, or personal loan

I paid off the agreement with the collection agency who bought the debt from the company. In return I tried to call to receive my title back from the original company who approved the loan and was unsuccessful in trying to retrieve my title. I have called several times and still got no response. The payoff date was XX/XX/2020 for {$780.00}.
Product: Credit card or prepaid card

Citibank is charging me for {$350.00} for a trial product received the trial and returned the next shipment refused and the company kept billing me for the product.I cancelled my card and had another card reissued and charge was reapplied to my card. I contacted the merchant and Citibank and they said nothing we can do. I have since played the balance I owed them and cancelled the card. I am so upset with them as I have had that card 24 years!
Product: Checking or savings account

I filed an unauthorized charge ( {$46.00} ) against XXXX XXXX XXXX hotel - which CHASE canceled my card for, making it difficult to travel for work, until the new card arrived. 
The debit card operation department reversed the unauthorized charge. 
Somehow the debit card reversal WAS ALSO RE-REVERSED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint on XXXX, Transunion, XXXX and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  Transunion XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.
Product: Credit card or prepaid card

On XX/XX/2018 I got an email, and also a text from Chase asking if i had made purchases. The purchases were three transactions from XXXXXXXX XXXX online of XXXX. Total of XXXX dollars. I replied and told them I did not make the transaction so they closed that card and sent me a new one. I also spoke to a representative over the phone and told them I did not make the purchases. They canceled the card and the transactions. On XX/XX/XXXX I went to check my account and saw that they let the transactions go through. I then called chase and they told me they contacted XXXX and they authorized the transaction. The purchase was of 15 downloaded XXXX XXXX office. It showed up as three different transactions. I filed a police report. I am now out XXXX dollars and it has dropped my credit score about 100 points. Chase has been nothing but a hassle, my fraud representative at chase said he knew it was fraud but they still let the transaction go through. The transaction should have never been put through, Chase is at fault for this.