23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America filed a dispute without requesting information verbally and allowed nearly {$7000.00} to be taken from my account without being retrieved during and after attempts to dispute the claim. And then close my account because Bank of America pulled my credit multiple times Which I also filed a complaint at the branch begging for this dispute to be resolved. They told me I needed to work it out with the merchant who obviously is located in Hawaii and did not respond to emails phone calls and or postal mail. The executive office then called me to perhaps settle and I told them to send me a letter in writing which they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Product: Debt collection

I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
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. 

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  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, credit repair services, 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/year> an account was opened in my name with XXXX XXXX Bank. This account is not my account. I did not open this account and I did not authorize anyone else to open this account in my name. This account is not placed with a collection agency called Resurgent Capitol Services in XXXX South Carolina. I was made aware of this account by a credit alert notification with XXXX XXXX. Upon accessing my credit report I located the account and upon the information reported to the credit bureau I file a dispute on a number of occasions. The collection agency and or XXXX XXXX Bank reported back that the account was valid and verified the debt. This debt has been disputed on a number of occasion and not as per XXXX they have refused to investigate the debt stating that it has been verified and is a valid debt. It is not. I have reached out to XXXX XXXX Bank and asked for copies of all documents that they have on file for this reported account and they have advised that they have nothing in their records and therefore can not provide any documents to me and that I needed to reach out to LVNV as they are now the account holder that XXXX XXXX has charged off the debt and they have no further information on the account. In reaching out to LVNV I was advised that they have no documents for the account as they are not the original creditor and that I needed to reach out to XXXX XXXX Bank. Neither of these companies are willing to provide any documents to validate this debt however one or both when disputed deem this to be a valid debt and the money owed. One or both of the respond back to the credit bureau that they debt is valid and provide no proof as such. This is not my debt and I am not paying it. I did not live at this address when this account was opened and have no knowledge of this account. I have reached out to a consumer law firm that has stated to me that they will handle this and the other accounts that are inaccurate. I have been advised that they will take these creditors to court and will file for sancions and damages.
Product: Credit card or prepaid card

Over the past year, I have been discussing improper handling of my account as a business and not a consumer.
Most notably, my later of XXXX/XXXX/17 was responded on XX/XX/XXXXand repeated on XX/XX/XXXX.
As a consumer, not a business, I was switched by CitiBank to a XXXX  cardaccount to afford me a higher limit well over a decade ago. I was assured no other differences would occur.
My account and card list only my name without any business associated. However, my account is being treated like a business, not a consumer and requests are not being handled as such.
- Is XXXX aware that I am not a business and following procedures for a Consumer?
- Why is the account not following CARD and handling the highest APR items on the bill first?
- My interest rate escalated quite insanely during recent months. You have reduced it but I request a refund of the extra interest charges as the escalated rate. As a long-time customer, it would be appreciated as I believe Ive been unfairly treated as a business account.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and I have requested validation and verification of erroneous accounts that are listed on my credit profile that's reporting to Transunion, XXXX and XXXX. I've provided proof of my police report to them all. After 30 days I received a response that it was deleted and then placed back onto my credit profile and I was not notified within the 5 business days for reinsertion. They did not give me the method in which they used. According to the FCRA credit reporting agencies are required to provide proof and the method of verification as well as validation upon request. This includes the name, address and phone number of the verifying individual. These credit bureaus violated the FCRA by not complying with its guidelines. This is direct infringement of my rights under the FCRA. I'm asking that the following accounts be removed. 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: Debt collection

Called ARS to pay debt from XXXX XXXX, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called XXXX XXXX  who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my XXXX XXXX, they would not send me a letter confirming that they can not find an account for me or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a mistake on my credit on transunion the account name was " XXXX XXXX XXXX XXXX '' it was removed.but the company is reinserting the credit report with my concent but transunion is not putting it back on.it 's showing that I don't have no credit, I have been trying to resolve it for the past four month and it's affecting me in my day to day life. I have attached documents proving that the creditor sent the reinsertion form.
Product: Debt collection

Today, I received a Civil Court Summons from the law firm Forster & Garbus LLP ATTY for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which Forster & Garbus posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognize these inquiries Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXquifax 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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$1600.00}
Product: Credit card or prepaid card

I would to file a complaint regarding a dispute issue that I have with Bank of America. I have a initiated a dispute with BOA after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my BOA credit card. 
I have paid for this transaction by other means and I have provided BOA with all relevant documents to proof my case. BOA dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 
Case # XXXX Case # XXXX
Product: Credit reporting

I have had issues creating a bank account in the past year due to a " mixed match '' social security number and had to bring in my social security card to verify my identity. I can not log onto Experian.com or AnnualCreditReport.com to verify my identity with my name, address, and social security number. Therefore, I can not access any credit reports to see if there are any discrepancies. However, when I tried applying for medical assistance and put in my mother 's name and address with my social security number, the identity was " verified. ''
Product: Debt collection

I was injured in a slip and fall upon private property and the property owner of insurance supposed to have covered all medical bills. And now the debt collect are billing me or coming at me for unpaid bills. Due to my injuries I personally suffered.
Product: Student loan

XX/XX/XXXX : I filed a compliant through CFPB due to incorrect payment count with Mohela. COMPLAINT ID XXXX XX/XX/XXXX : Mohela responded to CFPB compliant with 104 payments qualifying payments. I should currently have 111 qualifying payments based on current employment certification through XX/XX/XXXX that has been uploaded to Mohela 's system. They did not accurately add all of my payments that have employment certification documented on the response sheet to CFPB. When I looked at the payment tracker on Mohela 's website, they do not list the dates of XXXX ( 5 payments ). In addition, the math does not correctly add up. The response shows I have qualifying employment certification from XXXX ; XXXX. This should be 111 qualifying payments ( 9 years and 2 months ).

I will have an additional 5 current qualifying through XX/XX/XXXX to total 116. Will upload most recent certification to Mohela when HR signs it. Therefore, my loans should be forgiven in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 that i've marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX & XXXX XXXX
Product: Bank account or service

I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising
Product: Mortgage

I informed Freedom Mortgage, that I had performed on the bill of Exchange/ interest check. Also to transfer the principal positive account balance to the principal account for set off. Bringing the principal account balance to XXXX. This was sent to them XX/XX/year>. I have yet to receive a response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX, XXXX XXXX XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Product: Money transfer, virtual currency, or money service

After having only had my PayPal account for around 3 weeks and during which time there were only two transactions made using my account, one of which was a test payment I sent to a friend for less than {$1.00} and the other a {$25.00} Goods & Services payment for a concert ticket that I sold to a buyer who decided to file a frivolous payment dispute which thankfully resulted in the claim being closed in my favor after I provided irrefutable evidence that I did in fact transfer the ticket to the buyers XXXX account after receiving payment. When speaking with customer support to find out why after having the claim closed in my favor were the funds still being held I received an email informing me that my account temporarily restricted pending the receipt of proof of address, photo ID bank statement documents needed to remove the restriction. I immediately provided the requested documents and within minutes of doing so the restriction changed from temporary to permanent with no further explanation. Based on the fact that the activities in my account were well within PayPals TOS, I find it unbelievable that a reputable company like PayPal can issue a permanent ban to an account without having to even provide any explanation as to what led to their decision or to at least have the option to appeal the decision.
Product: Student loan

I was under the impression that my student loan was forgiven. I borrowed {$25000.00} in XXXX. After many years, moving from XXXX to XXXX to XXXX I went through many hardships and finally I saw the light at the end of the tunnel when I applied through a document in my work to American Education Services. They then connected me with XXXX XXXX XXXX XXXX for student loan forgiveness and XXXX XXXX in XXXX consolidated my loan she works for XXXX XXXX XXXX, paying {$50.00} a month and stated that in XXXX XXXX my loan will be forgiven. But, in XXXX XXXX XXXX XXXX did not honor it and stated that I have to go back to paying {$340.00} a month. I have contacted XXXX XXXX and after investigating they suggested that I should contact you. Please help!
Product: Credit reporting or other personal consumer reports

Experian been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over seven years and I took initiative up on myself to fix everything but I need help ASAP. in addition to credit reporting XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and XXXX XXXX  as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.
Product: Credit reporting or other personal consumer reports

A matter of significant concern related to the Fair Credit Reporting Act ( FCRA ) and its implications on my federally protected consumer rights. 

Pursuant to 15 U.S.C. 1681, I assert that my rights to privacy and confidentiality have been infringed upon by the inclusion of inaccurate information in my credit report. Specifically, the account identified as # XXXX is a clear violation of these rights. 

In accordance with 15 U.S.C. 1681, Section 602A underscores my entitlement to privacy. Additionally, Section 604A, Section 2 of 15 U.S.C. 1681 explicitly prohibits a consumer reporting agency from furnishing an account without my written instructions.

Moreover, Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ) explicitly states that no consume r reporting agency is permitted to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate. 
Upon a thorough examination of my XXXX, Experian and XXXX credit report, I have identified several accounts that are either not associated with me or are reporting inaccurate information. I have taken the necessary steps to report these discrepancies to the XXXX XXXX XXXX  Of particular concern is the account, names and inquires listed as XXXX 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 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 XXXX XXXX, I am hereby requesting your immediate attention to rectify these inaccuracies in compliance with the FCRA. Your cooperation in this matter is crucial to ensuring the accuracy and integrity of my credit report.

I have attached supporting documentation for your review and reference. I anticipate a prompt resolution to this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file
Product: Credit reporting or other personal consumer reports

Delete Inquiries Transunion XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Chase Bank initiated an account closure of my checking account on XX/XX/XXXX, but they did not provide an adverse action notice and have not given me any specific reasons for the account closure whatsoever.