23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 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 card

I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to inform you that Bank of America suddenly closed an account of mine for supposed fraudulent activity, and then sent the remaining funds, about {$5000.00}, to the wrong address. After many calls and complaints to the FDIC and other banking regulatory watchdogs, I received a call back from a non-manager telling me that my check had been mailed to the wrong address! And, as long as its not cashed fraudulently by some third party, I can have it reissued AFTER 120 days! Initially, the check was sent XX/XX/XXXX, so I will have to wait until XX/XX/XXXX ; again that is as long as its not cashed by means of a fraud signature. I think this is absolutely ridiculous. I have looked on XXXX and found that this has happened quite often with Bank of America and other banks. I am about to be a newlywed, I am moving and I need my money! I cant wait until XX/XX/XXXX, and in the hopes of some off-chance somebody does not end up cashing my check! In that case Im just plain out of luck ; Theres nothing we [ BOA ] can do at that point I was told. They didnt even apologize! 
Is there anything you could do? I would greatly appreciate your help and expertise navigating this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681. 


Account XXXX XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a XXXX late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and experian reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... XXXX credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX XXXX XXXXXXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX XXXX reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate. 


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 may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction 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 consusumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

had a sear m/c with an int rate of 26 %, ,contact citibank for rate reduction that was granted at 4.9 %. agreement was to make payments on time and rate will be inplace until credit card is paid off..in XXXX 2016 did not rec 'd statement and contacted sear for replacement statement. recd a new statement where the rate went back to the 26 % int. request citibank to reduce rate back to 4.9 % but they refused..claiming i broke my agreement. i told them i never rec 'd statement and i had no reason to break the agreement which was significantly lower rate that the original rate they still refused saying i broke the agreement..and they refused to honor my request. 

i had to use another bank credit line at a lower int rate of 12 % and a cost of {$700.00} to payoff sears acct # XXXX XXXX XXXX XXXX.
Product: Debt collection

They have contacted us multiple times in the past about taking legal action, the most recent was a letter sent from XX/XX/ 2019. Theyre asking for {$2100.00} for a vehicle we no longer own and have threatened my family by stating they will sue.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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: Debt collection

I have disputed this account twice through XXXX, twice through XXXX XXXX, twice through Sequim Assests ( the collection agency ) and twice through XXXX XXXX XXXX which is the company that created the debt. When I spoke to XXXX XXXX XXXX in XXXX they opened a case and confirmed that the money was not owed and closed the account. I followed up with both the debt collector and XXXX XXXX.. it has been over 60 days and the dispute was still open even though this was an invalid collection account on my report. I again reached out to XXXX XXXX XXXX where they confirmed a SECOND time that the money was not owed. This account caused my credit to Drop by over 50 points and it was put on my account in error. Everyone I talk to sends me to someone different. I was under the impression if you put in a dispute and no response is received within 30 days from the collector wthen the account legally has to be closed. I am upset because it has been over 2 months and it is still not resolved. This is unfair for people like me who are working very hard to try to increase my credit score for home buying options
Product: Credit reporting, credit repair services, or other personal consumer reports

LOSS OF BUSINESS ACCOUNT TRANSPARENCY Access to Americor web portal is denied during an ongoing debt resolution ; i.e. the process is incomplete and I have absolutely no visibility.

a ) Upon informing Americor I decided to go a different route ( i.e. I am gathering documentation for XXXX  XXXX Bankruptcy ), Americor set access to the web portal denied. 

b ) For the IT informed, error code 1020. I documented with a screen shot.

c ) I am aware the dedicated account is not static. That is, Americor already informed me how they will continue to withdraw funds I have contributed. While this may be legally permissible, my assertion is a " LOSS OF BUSINESS ACCOUNT TRANSPARENCY ''
Product: Checking or savings account

Capital One said the company was having issues making deposits and processing payments for some consumers, small businesses and commercial banks. It's been two days and they've only provided one update. XXXX XXXX, Capital Ones service provider involved in the outage, on Friday morning. XXXX XXXX said it has restored access to the applications impacted by the power outage. With this being a holiday weekend and them being closed Monday they still have yet to provide an update to customers who can't access their money.
Product: Checking or savings account

OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and i was distraught to lean that Experian had placed inaccurate information on my credit report. I proceeded to tell them that the inaccurate information was ONLY reporting to them and according to the law, it is my right as a consumer to have a 100 % accurate credit report. XXXX and XXXX are not reporting that information therefore it CAN NOT be accurate and must be deleted. Enclosed is a copy of my credit report showing Experian is in clear violating the law by posting inaccurate information on my credit report disputed inaccurate information on my credit report with Experian. 

Thank You
Product: Credit card or prepaid card

XX/XX/2022 - For the past 2 days I have been unable to access my online credit card account with Barclays. Message states for security reasons we have locked access to your account. It then prompts to change password. After changing password I get another message stating Were sorry online access to your account is unavailable. I contacted Barclays 6 times over the past 2 days. I was told they are doing a system upgrade and account access should be available in 3 hours. After calling 6 times over 2 days I still dont have access to my credit card online account. I have 3 credit cards with Barclays. I am unable to make payments and unable to view statements. It is imperative I have access. All my accounts are current and in good standing. Looking online I see many consumers having the same issue.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

EQUIFAX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX
Product: Mortgage

I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!
Product: Debt collection

On XX/XX/2021 I contacted XXXX  to file a dispute against fraudulent information reporting on my consumer report they still never took down. The original creditor is XXXX XXXX emergency XXXX which they sold the debt to Phoenix financial services and Phoenix financial services are asking me to pay them {$430.00} this account was opened on XX/XX/2021.
Product: Checking or savings account

My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.
Product: Checking or savings account

Chase permantely closed my checking and savings accounts, and won't let me access my credit card accounts online. They have not provided me with a reason.
Product: Credit card or prepaid card

I had an AMEX Offer on my AMEX XXXX XXXX credit card where I'd receive {$25.00} credit for spending {$45.00} on a new XXXX XXXX XXXX membership. I signed up for XXXX XXXX XXXXXXXX membership using the card on XXXX XXXX, XXXX. The {$45.00} charge by XXXX XXXX XXXX posted on XX/XX/XXXX. Not having received the {$25.00} AMEX Offers credit, I contacted AMEX via chat feature on XX/XX/XXXX. I was told, " XXXX, don't worry, the credit will post 2-3 weeks from the time of being charge in the account. '' The credit never came. I contacted AMEX again on XX/XX/XXXX. I was told, " Since it is more than 21 days, I'll open an investigation on my end. '' Still not having received the {$25.00} credit, I contacted AMEX again on XXXX XXXX, XXXX, and the agent told me that no investigation had been created on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect received my dispute that was sent certified with a return receipt on XXXX/XXXX/XXXX ( see attached ). I specifically requested that this company provide me documentation that reflected I indeed owed the debt they were alleging, provide documentation that bore my original signature, copies of all invoices, receipts, and summaries for this inaccurate, unverifiable entry they are reflecting on my credit reports ( see attached ). Additionally, since Americollect is a 3rd party collection agency and is attempting to collect on behalf of a healthcare organization ( see attached response from Americollect ), they are required to ( based on HIPPA ) to have documentation on file and provide that upon request whereby I gave the healthcare organization the authorization to share my information with this company. To date, Americollect has not provided any documentation to substantiate the alleged charges other than a mere letter that they typed on their letterhead ( see attached ). This entry 's reporting is in violation of my consumer rights and therefore should not be reflected on any of my bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out about my social being incorrect and nothing has been done about it a lot of the accounts arent mine so I asked to have them removed and I was told I couldnt have them removed I was informed one of my accounts is in bankruptcy but yet still on my account I need help removing these items please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is zero, why is the account still on my credit report?