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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF ED/XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( XXXX ) account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Written request to remove block/prompt Purposes showing. 
Also request XX/XX/2023 XX/XX/2023 to add my XXXX XXXX credit age account ending in XXXX for 7years/7 months to my report and credit age history.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reporting accurately. I had 5 late payments on the account that was in fact paid on time from XX/XX/XXXX to XX/XX/XXXX. It also stating my last payment was XX/XX/XXXX but is being reported as 150 days pass due. The consumer report and agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/XXXX to XX/XX/XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding these payments be reversed to paid and on time as agreed and never late of the following accounts : EXPERIAN Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I made a deposit by check through mobile, it was XX/XX/XXXX and I know that it could be the scam so i waited to be settled in my account. After few days later the balance was not pending but become part of running balance. And I also tested by using it so make sure it is part of the funds. 
The check was part of my work payment, XXXX dollar was the part of my XXXX work contract. XXXX was for travel and XXXX work. 
On XX/XX/XXXX, this is the point I send XXXX  since I got paid. After I transferred the fund they immediately freeze my account, without any notification. I thought it was because of amount of I used for work. if they have inspected it was a scam i wouldn't transfer the amount. Also the agent told me there is no pending or negative balance on XX/XX/XXXX. But when I called the bank, they just told me there is just a simple problem on my account and told me no negative balance. So, the agent told me to wait for the review, and wait for 60days. But the only email I received was Action needed on XX/XX/XXXX for negative balance. 
Since I did not get any information from bank and they suspended my mobile banking account, I had no idea what is happening on my account. 
I still did not get any call from bank, only information I got here is the call that I made. 
I'm totally sure the fault of this happened is because of the bank. 
They did not ask about information about scammer, agent did not ask about the situation. And never got call back from bank about the inspection. They never told me it was because of scam just told me the account is under review. And never told me the check was bounced or rejected. No way to know what is happening because before the suspension of the account, the balance was running. 
And Today XX/XX/XXXX, I called back to bank they finally told me the check was the problem. I have no idea why should i be In Charge of this case, because they should've not allow the transaction if it was bounced and also they should've let me know the problem was because of fraud check. 

Bank name- Schwab bank Amount- XXXXUSD Date i deposited- XX/XX/XXXX Got notified XX/XX/XXXX, by the call i made Actually not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX equifax and XXXX and they update as accurate please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 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 an open end consumer credit plan as late for any purpose, also that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false. 
I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, experian, and XXXX many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.
Product: Checking or savings account

just type in " bank of america criminals '' on google, ok folks I found new evidence which is extremely important to all citizens how these fraudster miscreants trick everyone, and it is beneficial to all people, as it will show WITH CLARITY!!! does anyone know what is a " statement ''? after doing some research and studying  Boa 's  statements, heres what is revealed, a statement shows what was owed and what was paid, it 's not a true bill, and on my statement it surely does show what was owed and wha t WAS PAID!!!   PLAIN AS DAY THE NEGATIVE BALANCE WAS PAID AND BECAME A  XXXX  BALANCE, SO WHO PAID THE -NEGATIVE BALANCE? THEY DISCHARGES IT THROUGH THE UNITES STATES TREASURY ACCOUNT THROUGH THE BIRTH CERTIFICATE BOND JUST LIKE I SAID ABOUT  7-10  COMPLAINTS AGO!!! I WILL POST THE EVIDENCE TOMMOROW WITH A TALLY OF WHAT THEY OWE ME IN DAMAGES, THEY BETTER HOPE A LAW FIR M DOESNT T AKE NOTICE OF ALL MY COMPLAINTS AND EVIDENCE BECAUSE THEY WILL BE IN SEVERE SEVERE TROUBLE!!!!!!!     Bank of America makes 'dirty dozen ' list of criminal financial institutions ...     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - A watchdog group has compiled a list of banking 's " dirty dozen '' corporate criminals, and  XXXX , N.C.-based Bank of America makes the cut ...   Bank of America  ( Common Criminals ) |   XXXX    XXXX   XXXX   XXXX   Bank of America  ( Common  Criminals ),  XXXX , NM.  XXXX  likes. To anyone dealing with a mortgage loan modification, we feel your pain. 2 years for us, ...   For Bank Of America, Crime Is Now An Ordinary Course Of Business ...    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Between  XXXX   XXXX  and  XXXX   XXXX  Bank of America produced " Net ... they may be, comes from Bank of America engaging in criminal activity ... and ...   Bank of America to Pay {$16.00}  XXXX  in  XXXX   XXXX    XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Bank of America will pay a   XXXX   XXXX   civil penalty to settle the Justice .... Assistant Attorney General for the Criminal Division  XXXX   XXXX , ...   Bank of America :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Bank of America By  XXXX   XXXX . ... paid to settle lawsuits concerning its dealings with corporate criminals  XXXX    XXXX   XXXX   XXXX   XXXX   and  XXXX  (   XXXX   XXXX   XXXX     What do  XXXX   XXXX , Bank of America and crimes without criminals have ...    XXXX   XXXX   XXXX ,  XXXX  - In  XXXX  recent cases, crimes are whitewashed by pretending no criminals were involved.     Bank of America 's Recipe for Getting Away with Massive  Fraud ...      XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  - Inside the hypergluttonous megabank, whose criminal conspiracies we 'll all be paying for until the end of time. This  XXXX ,
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of bridgecrest. Bridgecrest needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. Bridgecrest even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of bridgecrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

At present I am exasperated! I have endeavored to be patient yet it is very difficult to be patient when you feel that you are consistently being dismissed by someone. I think you neglect to recall that I am the client agreeing! " 15 U.S. Code 1681 - Congressional revelations and statement of purpose ( a ) Accuracy and respectability of credit uncovering ( 1 ) The monetary structure is dependent upon sensible and definite credit reporting. Mixed up credit reports directly cripple the viability of the monetary structure, and unmerited credit declaring techniques damage the public assurance which is central for the continued working of the banking system. ( 3 ) Consumer enumerating workplaces have expected an essential part in accumulating and surveying customer credit and other information on purchasers. The monetary system is dependent upon the sensible and accuracy declaring of purchaser workplaces. Exactly when you disregard to deal with your work notwithstanding the way that it harms me it impacts the monetary system. The monetary system acquires cash by crediting to clients like me. I have associated a couple of times protesting about the mistaken things on my purchaser report. Well I am complete whimpering. I demand you take out these off-base things or I will search for suit for the total of the encroachment and for the torture all of you have caused me by annihilating my remaining by uncovering mistaken things.
Product: Bank account or service

Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.
Product: Credit reporting or other personal consumer reports

XX/XX/ I have bee in & out of the hospital and doctor offices. I begin to use the funds in my Bank of America account after making payments with my cards for my out of pocket fees deductible and copays. After using my money in my account Bank of America dropped my credit balances on 2 credit cards from credit lines of XXXX to the balance of {$3200.00} and {$2900.00} actually charged balanced amounts and closed my cards. I called to find out why they done this and was told that BOA can lower the credit line whenever they wanted but provided no reason for the decision was made. 

Bank of America reported to the credit bureaus that I maxed out my cards and that they accounts were closed without notifying me. I deputed with the credit bureau XXXX and BOA send false delinquent payment info to the credit bureau when I was previously in good standing with no late or delinquent payments on my accounts. I reported Unfair Credit Reporting because I was approved for the XXXX XXXX XXXX XXXX XXXX over 2 months ago after BOA caused a chained reaction with my other credit cards causing my credit score to drop over XXXX points in 2 weeks because they reported every 3-4 days. Now I can not qualify for anything. My score went from XXXX to XXXX and they are still reporting. Once on the debit Relief Program all credit reporting is suppose to Stop. But they keep reporting.
Product: Mortgage

Ocwen/ PHH is the servicer of my Loan, I am trying to Refinance to consolidate First & Second lien of my property, doing so I will be greatly benefit, but I am having trouble getting the Payoff to be able to set the closing date, PHH is not cooperating. I had made many call and also my Loan officer had requested the Payoff for about 2 months to them, with no response. I need your help as to my interest rate on the financing I am trying to close is about to expires. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond.

Express Recovery services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
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 XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXX XXXX I was XXXX XXXX XXXX  Im sending documents of the case where I was XXXX XXXX XXXX which is the reason XXXX XXXX  was involved
Product: Student loan

Hi, Navient formerly known as Sallie Mae calls me day and night nonstop. Last year I paid off {$2000.00} plus on the interest and have been making payments towards the principle loan in small amounts. I have had numerous conversations with representatives from Navient requesting a lower monthly payment that aligns with my current financial state. I have offered them a number I am willing to pay, however, Navient wants me to pay the amount they determine though it is an outlier to my expenses. I am making payments to decrease the total amount on the current balance. I have reached my max with the harassing, annoyance, sharp tones, and demanding when I am trying my hardest to be diligent in repaying the student loan I withdrew for school. Navient is calling my place of employment which is unacceptable and leaving harsh messages such as " if you do not call us back we will be forced to ... '', 'I will be calling ... ''. I would really like for Navient to be more customer and user friendly. I know they would like money now and as fast as possible, however, they have no system in place to assist with repayment. 

Thank you
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 XXXX 30-day Late Payment - XXXX XXXX XXXX XXXX 90-day Late Payment - XXXX XXXX XXXX  60-day Late Payment XXXX XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXX Charge Off - XXXX XXXX XXXX Late Payment - XXXX XXXX XXXX - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX XXXX- Collection - XXXX XXXX XXXX  30-day Late Payment - XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXX Charge Off - XXXX XXXX XXXX XXXX Bankruptcy - XXXX has violated my rights XXXX 

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

Hello This is about the 3rd time this has happened with Experian and only once before with TransUnion. They keep adding a Wrong name on my credit report. 


The Wrong Name : XXXX XXXX XXXX, or XXXX XXXX, or XXXX XXXX XXXX. 

My Correct and Only Name is XXXX XXXX Please have them Delete XXXX XXXX and anything with XXXX XXXX in it for it is not me. Also if there is any account associated with the name XXXX XXXX XXXX please delete that or those accounts. 

I will attach several proofs of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Date Assigned XX/XX/2021 PACIFIC CREDIT EXCHANGE Original Amount Owed {$4600.00} Amount {$4600.00} that i owe i have never signed any written document that I owe this debt to the collector.

they are violating my rights of the FCRA as a consumer.

I do not know who they are and have written consent from my end.

also, they have not verified that i owe this debt to this alleged company.

Please have this removed from all three credit bureaus. 

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

Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX