23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

First, I have been a valued customer of Bank of America for decades. My payment history is excellent on my personal cash rewards card. 
In XXXX, unbeknownst to me, I was a victim of Identity theft. Someone opened a business XXXX under the name XXXX XXXX, XXXX using my name and social security number. A year later, the account was closed, marked as fraud, and the delinquent money owed was written of to collections. Nobody at the bank notified me of this fraudulent account at that time. 
Now in XXXX I applied for a personal travel visa card to use overseas, but I was surprised to find my application was denied, due to the link that was never erased. I have written to the CEO of the bank ( registered mail ), and have spoken to dozens of customer service people in various departments : credit dept., fraud dept., etc. 
I went on my trip and incurred hundreds of dollars in transaction fees and exchange rate fees which I wanted to avoid with the card I didn't get. 
I have since found out that I am on the XXXX  XXXX  (? ) which I have never heard of before. 
My complaint is with the Bank of America. This was an internal mess up. 
The credit agencies do not have record of this fraud as they were not informed. 
I was not informed. The Bank of America should throw out the old fraudent business account, or at least unlink me to it. The wrongful connection has cost me money, plus I will continue to be denied any future applications for additional cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. XXXX gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and XXXX refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX  is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS.

HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION.

IAM A VICTOM OF XXXX SECURITY BREACH...
Product: Credit reporting

Numerous attempts to remove XXXX, FL XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX several times. I have the right to receive a validation of debt, flow agreement and surety bond. They have failed to provide me any of these requested information. 

This company is also reporting over the balance but it was charged off in XXXX. This violates FCRA laws they are reporting inaccurate information
Product: Debt collection

On  XXXX   XXXX ,  2017 this company received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Student loan

I have had many issues with Navient during the repayment of my student loans. The phone numbers that they provide in their mailings are often inaccurate. When I call, I frequently get transferred around from department to department. It is not unusual to spend over an hour trying to get to a live person who can help answer account questions. Many of their customer service agents simply hang up on me when I start asking questions. When I email, I get a reply saying to call. 

I have two private loans currently serviced by Navient. I believe that Navient has not appropriately applied the interest rate that I qualified for under the interest rate reduction plan. I have to apply annually for the interest rate reduction plan, and I have qualified for this plan every year since I graduated. 

I also believe that Navient has not appropriately applied my payments to my account. I have to private loans and 8 federal student loans. Payments get applied to the wrong student loans. Navient does not provide a clear way to view how my payments are being applied and does not apply my payments to the correct loans.
Product: Debt collection

Back in 2018 I lived in the apartment called XXXX XXXX XXXX XXXX  under housing authority of XXXX on section XXXX voucher. This apartment failed to comply with HUD housing papers to get paid. Took to court of law that determined I'm not liable for the debts the apartment had to pay me back all deposits and was settled in court of law with attorney. I've submitted copies to each bureau and to to said collections IQ Data certified mail. Called to be told to XXXX off by IQ Data and have yet to get it fully removed from my credit on XXXX. Debt goes up and down to just mess with my credit score. Housing and XXXX have told me to do this step next. This was settled in court of law that I am not liable for this debt. And settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by TransUnion for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Lease Two-Year Payment History : XX/XX/year> : XXXX late payment ( erroneous ). 
Requested Resolution : I request that TransUnion investigate this error thoroughly, remove the inaccurate XXXX late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from XXXX XXXX XXXX. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though XXXX placed the derogatory information on our credit in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C. 1681. 


Account Name : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A debt collector repeatedly emails me about a XXXX debt that is not mine. I sent a cease and desist letter and he still contacts me.
Product: Bank account or service

Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Student loan

I declared bankrupcy recently, and have just begun to begin to repay my student loans. After hours on the phone with multiple documents, I was finally sent an email from Navient, dated XX/XX/XXXX stating : " XXXX, we've approved your request for an Income-Based Repayment plan. 

Now that you're approved for an Income-Based Repayment ( IBR ) plan, here 's a quick overview of what you can expect next. 

Plan overview Your Monthly Payment Amount : {$56.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX ''. 

Upon opening my email today ( XX/XX/XXXX ) I received a new statement, stating : XXXX, here 's a snapshot of your monthly statement. 
Total payment due : {$280.00} Due date : XX/XX/XXXX I feel abused as a consumer, and emotionally drained from trying to deal with this company. Please, please help ... my income has not changed in years. 

Most kindly, XXXX Account # : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report because I want to buy a house. I seen late payments for account : XXXX XXXX XXXX late payments {$190.00} Balance updated XX/XX/2023 Account info Account name XXXX XXXX Account number XXXX  Original creditor - Company sold - Account type Sales Contract Date opened XX/XX/2023 Open/closed Open Status Open. {$40.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$190.00} Balance updated XX/XX/2023 Original balance {$240.00} Paid off 21 % Monthly payment {$10.00} Last Payment Date XX/XX/2023 Past due amount {$40.00} Terms 24 Months Responsibility Individual Your statement - Payment history 2023 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XXXX - 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control.

This is unlawful according to 15 U.S.C 1681a ( 2 ) ( a ) ( i ).
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from CapitalOne credit card QuickSilver that my credit limit has been decreased from XXXX to XXXX. I had this card since XXXX, and I NEVER paid late, always on time, never went over the limit, I could say I am a perfect card holder. I called the customer service for CapitalOne on XX/XX/XXXX and spoke with XXXX which was no help. He was saying that he can't do anything and the reason for the credit limit decrease was due because I was not using as much. In one point my balance was over 5K and it took several months and finally I was able to pay it off all my balances. I'm still keep using the card every month and paying the balance in full, just on XXXX my balance was about 400 and paid full. I spend in average 200 or more every month and try to pay in full when it's due. 
So XXXX transferred to his supervisor XXXX, and same thing she was not willing to help at all, and keep saying because I was not using my credit card a lot and because of that my credit limit got reduced. So for me being a good customer, they are punishing me decreasing my credit limit which will cause my credit score to go down, because my revolving credit usage will go up in % and my total credit available will go down. 
Please help me with this, I was saving the card available balance for future rainy days and my kid which is in XXXX grade will soon go to XXXX and I will need all the available balance for tuition, housing, and all the expenses that comes when sending your kid to XXXX. This is very unfair situation, I know about the pandemic causing a lot of job losses, but I still have my job and following all the rules to be a good card holder, but CapitalOne is decreasing my limits because I don't generate a lot of profit for them? That's not acceptable that this giant corporation keep bullying innocent and week people like me. PLEASE HELP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

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

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}