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

Recently, i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXXt XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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.
Product: Credit card

XX/XX/2024 We received a call from what looked like our card company stating that they were the fraud department. Telling us of the fraud charges. Having them taken care of, but in reality they were keeping us on the phone, they were in our account as they know all of my purchases. Asking many questions, asking things we should have never told them, doing things with our phones to have our calls forwarded to a number they had set up so we would not get notification of the transactions they were placing. 

XX/XX/2024 I had figured out what was going on and called the credit card company to explain, they have locked the account, issued new cards, and removed the fraudulent charges. I talking with them, I just wish they would listen as I told them that they were in my account and were able to tell me a lot of stuff, maybe even changed all of my security questions. I also was able to figure out that they had our calls transfer to a special phone number so they could verify the transactions. All of this in now taken care of. 

We went to our police department and reported, bank also
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, I noticed that Transunion had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report, and claimed they were verified a couple hours later. I tried to contact the company about it, the fraud department gentleman on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable. I have received no documentation from either Transunion or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under thXXXX XXXX XXXX XXXX Act.
Product: Checking or savings account

" Complaint about silently introducing low balance fees and not providing any notification which resulted in XXXX {$750.00} in fees from my checking account. '' Details : I opened a checking account with Bank of America as a student in XXXX since it did not charge any fee for low balance. I used it a lot during my student days, often maintaining a low balance without any maintenance fees. Apparently, a fee was introduced for balances less than {$1500.00} sometime after my account was opened. Over time, I was using the account less and less, and in XXXX, I made a withdrawal that reduced my balance to {$750.00}. Then, in XX/XX/XXXX, I received a notification that my account will be closed due to inactivity. I log into my account and see that my entire {$750.00} balance has been used for paying a {$12.00} per month fee since XXXX. I can provide copies of bank statements if needed. My issues with the above are : 1 ) I did an in-person withdrawal in XXXX. Given that I opened the account when there were no fee, I feel that the banker should have informed me that my balance is below the {$1500.00} and a fee will be charged. 
2 ) Bank of America did not notify me that a fee is being charged to my account for 5 years. Only emails I received was that a statement is available. Only notification they sent me is when the balance is low enough so that they can't charge the fee. This seems like an unfair practice to me. My other bank notifies me when a fee is charged. 

I tried resolving the issue with the bank. After spending many hours on the phone, I am told that all they can do is revert 90 days of fees but if I want anything more I should go in person to the bank. I do that and they tell me to wait for a banker. Again, after waiting for an hour, they tell me that I'm wasting my time and I should just call the customer service to get my 90 days of fee refunded. After spending another hour on the phone, they tell me that they can't even revert 90 days of fee. At that point, I give up and ask them to close the account. I hope others can learn from my experience and never do any business with the Bank of America.
Product: Credit reporting or other personal consumer reports

Judgements are void and shouldnt be reporting see cases 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone open account under my name and apper on my credit report whit late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  illegally reinserted without given a proper 5 day reinsertion letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT XXXX 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 an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

On XX/XX/XXXX the account was locked out for transition to a new service process. Since that day, i can not access any loan information, nor make a payment. YET INTEREST IS STILL ACCRUING DAILY. 
I was told i can mail in a check, while the interest accrues daily waiting for it to cash, ( XXXX weeks ) or wait another XXXX weeks, while interest accrues daily to maybe, hopefully get access to the new servicing website. 
THEY SHOULD CREDIT DAILY INTEREST FROM XX/XX/XXXX THROUGH COMPLETION OF THIS TRANSITION. I'm being robbed with XXXX defenses.
Product: Credit reporting or other personal consumer reports

You have account XXXX for kohls listed on my report as a charge off but also a balance reporting. I have been contacted by a debt collector on this so I know the debt has been sold. You can not both be collecting and if something was written off, a 1099-C must be filed ( which is never received a copy ) and the balance should show XXXX. A charge off is also considered income and income can not be reported on a credit report. 

This is your official 30 day notice to remove the trade line from my credit or I will sue for statutory damages.
Product: Debt collection

pra saying they dont have the account and are not reporting to credit reports but they are. XXXX XXXX needs to remove it asap someone is lying about reporting it
Product: Debt collection

This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan in XXXX on XX/XX/2021. A few days later XXXX told me they couldn't approve my loan because I have an active fraud alert in Equifax report, so I need to call them and have them remove the fraud alert. I called the Equifax and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called XXXX back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back Equifax and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back XXXX again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither XXXX nor Equifax were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional XXXX inquiries to be removed from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint to report the inaccurate and inconsistent information being reported by Equifax concerning my credit report, specifically regarding the XXXX account ( Account Number : XXXX ) and other accounts. Despite my efforts to resolve these inaccuracies directly with Equifax, their failure to provide proper validation and maintain accurate reporting has led me to escalate this matter. 

1. Inaccurate Reporting of XXXX Account The XXXX/XXXX  account, which appears on my Equifax report, contains the following discrepancies that I have been disputing : Late Payment Reporting ( XXXX ) : The account inaccurately reflects late payments that can not be validated. As per 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Inconsistent Dates ( XXXX, XXXX, XXXX ) : The dates for account opening, last active, and last payment are inconsistent across Equifax, XXXX, and XXXX . These discrepancies undermine the reliability of the reported information. 

Violation of Metro 2 Compliance : Equifaxs reporting of this account does not comply with the Metro 2 standard, which requires that all data be uniform and accurate. I have yet to receive any documentation supporting the validation of this account. 

2. Equifaxs Failure to Follow FCRA Mandates Equifax is in direct violation of several provisions of the FCRA, including : 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : This section requires furnishers to report accurate and complete information. The discrepancies in the XXXX account and other accounts indicate a failure to comply with this duty. 

15 USC 1681e ( b ) : Equifax is required to maintain procedures to ensure maximum possible accuracy of the consumer report. However, the data on my report reflects a failure to meet this standard, as shown by the inconsistencies across different credit bureaus. 

15 USC 1681i : As I have disputed this accounts accuracy, Equifax is legally obligated to conduct a thorough investigation. However, they have failed to provide proper validation, and I am requesting the immediate removal of this inaccurate information from my credit report. 

3. Specific Accounts in Violation : XXXX - Secured Loan ( Account # XXXX ) : Inconsistent reporting of late payments and account opening dates. 

XXXX ( Account # XXXX ) : Incorrectly reported as an " Open '' collection account, with inaccurate payment status and opening date. 

XXXX ( Account # XXXX ) : Date of last activity and account status are reported inconsistently across bureaus, with misleading payment status and other errors. 

XXXX XXXX XXXX ( Account # XXXX ) : Misreporting of account opening date ( future date ) and discrepancies in last reported activity dates. 

XXXX ( Account # XXXX ) : Inconsistent reporting of account opening date and last activity across Equifax, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my payment history with XXXX  for this account l, and for some strange reason theres one late payment report. Not only is there one late payment reporting its immediately for 90 days not 30. Lets be clear eventhough this late payment is showing for XX/XX/2018 this is my character, my credit my reputation was never late Ive been a loyal customer of XXXXXXXX even until this day me and my family have XXXX XXXX simply asking for a correction to the way the payment history is reporting with transunion.
Product: Prepaid card

I have an unusable AMEX gift card. The website is unusable to check the balance. I finally reach customer service for them to tell me the value is escheated and I need to contact my state department for unclaimed funds. This makes no sense as my name isnt on this and the card isnt expired. Its so bonkers it feels like a scam.
Product: Mortgage

In XX/XX/XXXX I was called by Round Point asking if I wanted to refinance my home. I was paying {$1200.00} a month and they said they could drop my payments to {$1100.00}. I was skeptical about it and asked several questions assured my payments would be lower. In XX/XX/XXXX I was called saying that I still owed {$500.00}. When I asked they said they had sent a letter telling me  that they had miscalculated my Escrow and I have to pay {$1500.00} a month for a year, then my payments will be {$1300.00} after that. I recently lost my job and almost at the end of living off of my retirement I cashed in. I will likely lose my house and the 50 % custody I have of my children. I would never have refinanced if I had n't been sold on lower payments. They miscalculated when they created the loan? Someone only cared about their commission and XXXX the numbers. This is a VA loan. I hope other veterans are not treated the same.
Product: Debt collection

Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.
Product: Mortgage

I began the process with JP Morgan Chase on XX/XX/XXXX. During this process they required almost {$12000.00} in repairs and then stated it was the XXXX requiring this, not the underwriters of Chase. The requirements were by JP Morgan Chase. They repeatedly asked me to provide and contact the appraiser for the appraisal, which they can not do as the appraiser can only communicate with Chase as a third party source.I also was asked multiple times for a divorce decree to which I have never been married or owned the home with any other adult. I used my HELOC account to pay for the repairs and then had an change of increased interest rate. I submitted all forms required on the first of XXXX and was then told the week of XX/XX/XXXX they needed every XXXX from XXXX and XXXX. I submitted my XXXX 's from the IRS website and they stated they would not accept any documents from the IRS and I needed each XXXX from each employer. I also sent receipts of payments for the work required by the underwriters of Chase and they would not accept them as proof of the work completed. They also did not accept the reappraisal that included photographic evidence the work was complete. They needed a statement from XXXX Bank showing payment to the company listed. XXXX Bank will not give me a statement with proof of payment until the next statement date of XX/XX/XXXX. They stated they can not provide a history of payments made between the date of the last statement of XX/XX/XXXX until the next statement date of XX/XX/XXXX. Each week I am asked to provide further documentation of employment, income, legal documents on the custody of my child, utility bills from a year ago, etc. I have repeatedly asked to please review what has been submitted and let me know what is missing as for every week for 7 weeks I am spending significant time provide proof of owning my home ( JP Morgan Chase holds the current mortgage ), proof of purchases, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated o
n XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA,

Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pu
rsue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit card

Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account numbers XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions.