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

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Product: Checking or savings account

Routinely get charged to the account with charges based on not having more than XXXX dollars monthly income
Product: Credit reporting or other personal consumer reports

In regard to the XXXX XXXX lawsuit, I was negatively impacted after receiving a response from the credit agency indicating that the disputed account ( s ) were " verified. '' Unfortunately, the agency failed to provide detail information of the results and/or decision of their investigation ; which is in violation of the Consumer Financial Protection Act.
Product: Prepaid card

I received an American Express Reward Card with the amount of {$21.00}. I am unable to use this ANYWHERE, despite the company saying it should be able to be used EVERYWHERE. Every single time I try to use this card it is decline/says invalid. My purchase attempts are under the available balance, so that should not be a problem. I double checked that the card is activated. Whether I try to use it online, in the store, it doesn't matter. Nothing works. The company just basically says keep trying until you find somewhere it will work. I have tried XXXX, XXXX, XXXX no luck. Tried loading to XXXX XXXX no luck. Nothing works with this card, it is basically a scam to hold your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into my XXXX house in XX/XX/2020 I requested internet service from XXXX XXXX XXXX and they scheduled a technician to come over to do the installation. When he arrived and looked around he told me he couldnt provide me with internet because I needed to do some complicated wiring. So he suggested I call XXXX and gave me their phone number. He then proceeded to tell me about at XXXX XXXX mobile services and he invited another technician to come over and explain the offer in better detail. The technician arrived 15 mins later and gave us this great speech about free phones and Discounts and that they will take the old phones and give us new ones at no charge and that we didnt needed to deal with our old carriers because they will handle bringing our phone numbers over to XXXX XXXX XXXX and that they will cancel it all for us. A month later we get a XXXX bill from our old XXXX for non payment of the old phones and there were XXXX active remaining lines on the account ... it been a real struggle to resolve this because XXXX XXXX XXXX refuses to take responsibility for their unethical business practices.. I just moved to our new home and att sent a technician to hook the internet and after the same speech just left and didnt get the connection finished. I requested XXXX but it seems that att is handling all XXXX installations.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX  - XXXX {$5700.00} XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX  mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I received an alert from the credit bureaus that a collection was placed on my credit by a company called General Revenue Corp, XXXX XXXX XXXX XXXX, Ohio XXXX ,XXXX for a XXXX balance at a school called University of XXXX . I contacted the University on XX/XX/XXXX and they informed me that it was indeed an error and that they have instructed the company General revenue to delete it with all three credit agencies. It has not been removed despite disputing it myself with all three agencies, XXXX, XXXX and XXXX it is repeatedly verified. I have contacted General Revenue who continues to inform me, both On XX/XX/XXXX and XX/XX/XXXX that they will be deleting it but it remains verified. I spoke to them again today XX/XX/XXXX and it is Sunday so they told me to call back again tomorrow. I have proof in writing from University of XXXX that they have requested removal dated XX/XX/2019.
Product: Credit reporting

There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.
Product: Checking or savings account

My ATM Debit card was used to make unauthorized purchases. The purchases occurred on XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I realized that my ATM Debit card was missing and I reported this to Bank Of America. Bank of America opened up a Fraud Claim. I also went to the police department and filed a theft report. After hearing nothing from Bank of America on my fraud claim, and receiving no funds back into my account on XX/XX/2020 I called Bank of America and they told me to send them a detained explanation of what fraud occurred, and to include a list of the transactions that were fraud. On XX/XX/2020 I faxed Bank of America the requested explanation and transaction list of fraud. On XX/XX/2020 I received a letter from Bank of America dated XX/XX/2020 in which they denied and closed my fraud claim. On XX/XX/2020 I call Bank of America fraud department and expressed total dissatisfaction with the denial of my fraud claim. The bank rep. re-opened the fraud claim. I continue to wait for resolution from Bank of America. XX/XX/2020 I called Bank of America fraud dept. and got no where. Therefore I faxed another letter to Bank of America XX/XX/2020 with and the repeated details. I called Bank of America fraud dept. on XX/XX/2020 and spoke with rep. in TX named XXXX, he stated to me investigation looks good and they have issued provisional funds. I called Bank of America fraud department on XX/XX/2020 spoke with XXXX and she re-opened the fraud claim, ( she told me it had been closed ). On XX/XX/2020 I sent another fax with letter to Bank of America Fraud department and attached transactions that I say are fraud. In the meantime I was unable to log on to my bank account and found that Bank of America had sense closed my account. I received a letter from Bank of America dated XX/XX/2020 telling me my account has been closed. It is now XX/XX/2020 and I have be left without any money to live on, I had {$55000.00} in my bank account this does not including what was taken from me in fraud. Bank of America has not given me my money, they have closed my bank account and most importantly not honored my fraud claim. It is important to mention that since filing my thief report with the police department they have investigated, found evidence of theft from video surveillance cameras, identified a perpetrator and sent the file to the district attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

Hi So this company XXXX XXXX XXXX  and XXXXXXXX XXXXXXXX  did fraud on me
Product: Student loan

EdFinancial is effectively denying auto-pay setup on my student loan account so I can't take advantage of the 0.25 % interest rate reduction being offered for federal loans. 

On XX/XX/XXXX, I submitted a request to have auto-pay set up in advance of my first due date on XX/XX/XXXX. As I was nearing the XX/XX/XXXX date, I never received confirmation that auto-pay was set up nor was it reflecting on my account so I called support. They said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX so I needed to make a manual payment for XX/XX/XXXX. So I did. 

After XX/XX/XXXX due date, I still did not receive confirmation nor saw that auto-pay was reflecting on my account. So I made several calls to support. The response varied from either " auto-pay isn't setup so they'd look into it '' or " it is setup, I just needed to wait ''. 

Nearing the XX/XX/XXXX, the situation hadn't changed, so I called support. They again said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX, so I would need to make a manual payment for XX/XX/XXXX, then wait. This was the exact response I got last time so I escalated to an " auto-pay specialist ''.

The specialist said auto-pay was not set-up, I needed to submit another request and wait about another three weeks for it to take effect. So essentially I submitted a request on XXXX, I've been given the runaround on whether auto-pay has been setup or not, and now I'm back at square one. And ALL this time, I've effectively been denied a financial benefit for federal student loans I'm entitled too with no end in sight. And based on social media sites like XXXX ( r/StudentLoans ), this is the same situation a LOT of others are experiencing.
Product: Credit card

On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill
Product: Mortgage

I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year. 

Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I contacted XXXX XXXX on several occasions to have the fraudulent inquiry removed from my credit profile. XXXX XXXX refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to Best Egg / Marlette Funding was deemed fraudulent. XXXX responded by sending me an Explanation Of Inquiry letter. 
2. Best Egg / Marlette Funding failed to request removal of fraudulent information.
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 rights to privacy and confidentiality under 15 USC 1681XXXXXXXX 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 1682 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 make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX  in XXXX. I tried to use the card in XXXX and was told someone in Texas changed my address to Texas and was using a Texas XXXX to pick up merchandise. I called and let them know that wasn't me. The person how stole my identity called them and asked for a new account to be open and they did. I have my identity stolen XXXX XXXX years ago. I have cleaned up all my credit except this one card. XXXX through XXXX XXXX. I called and fixed 2 years ago then again in XX/XX/XXXX. They said they had it listed as fraud and would close accounts and It would be removed on my credit report. I received a bill for a {$360.00} due. I called again today XX/XX/XXXX and was told the bank researched my claim and it was denied, and they want the {$5500.00} fraud charges to be paid by me. 
Account number XXXX there is another account # ending in XXXX on a letter dated XX/XX/XXXX. I have another account number on a letter ending in XXXX. When I called today XX/XX/XXXX XXXX with XXXX at XXXX to XXXX I was told I had 4 accounts. I should have no accounts. I have my credit and social security number locked, so this doesn't happen. I have never been to Texas and I live in Maine. I have asked them not to very give me an account again, most likely it is not me. Thank you. 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 3 credit bureaus are required to authenticate these 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. 
XXXXXX/XX/XXXXXXXX Balance : {$280000.00}
Product: Debt collection

On XXXX XXXX AWA CollectIons had marked my credit report with derogatory remarks that this debt was assigned with an attorney ; Ive had challenged this creditor to produce validation of the debt and foresee that the remark As ; serious past due date/ assigned to an attorney, collection agency, or creditor grantor & apos ; s internal collections department is an intimidation attempt to collect a past due debt {$450.00}. 

Ive sent out several request for Validation and Name of Attorney who this company has been brought up and theres no answer to my request. 

I recently challenged XXXX and XXXX and they they attempt to validate this account and found that AWA Collect can not produce validation and deleted it from my credit. 
As the challenges continue with XXXX that say that AWA Collect reported accurate with sending me validation letters to acknowledge these debt. But update their remarks to violate consumer right for equal opportunity. 

As I still have no knowledge of this debt I had no choice to report as fraudulent. Until such documents that Ive requested have been produced. And be able to cancel this debt with a request from 1099c
Product: Debt collection

The amount {$1400.00} was charged on my personal checking account on XX/XX/19 for a business auto loan is 13 days late without authorization from me. The customer service representative said that these charges were because of a collection. I was never notified that this collection had occurred.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX  {$560.00} XXXX XXXX {$720.00} XXXX XXXX XXXXXX/XX/XXXX {$500.00} I am requesting that the reporting af this information be blocked and Deleted15 usc subsection 1666 ( b ) 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.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting Agency is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I  sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to Experian, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute onXX/XX/XXXX, concerning several accounts that reported false information. And onXX/XX/XXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}, {$81.00}, {$2700.00} which is incorrect.
Product: Debt collection

midland credit management has been harassing me before XXXX XXXX  all day regarding an account I explained was not me. 
amount for {$710.00} and {$910.00}