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

Equifax stated that they verified a Bankruptcy with XXXX XXXX. I have contacted XXXX XXXX and there is not any information on my XXXX XXXX Report Regarding a Bankruptcy. Then Equifax stated that they verified the information with the Court House. I contacted the court house and they advised me that they do not report any information to the court house. Therefore since this information is not verifiable. It needs to be deleted from My credit report and all associated accounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding TransUnions unauthorized reinsertion of a previously disputed and removed account on my credit report. TransUnions actions violate the Fair Credit Reporting Act ( FCRA ), particularly 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 1 ) ( A ), by re-reporting an account without certified verification and by failing to provide me with the legally required written notification of the reinsertion within five business days.

Detailed Explanation : After successfully disputing an account with TransUnion, it was removed from my credit report. However, TransUnion reinserted the account without providing any notification or evidence of certified verification from the original creditor, as required by FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion of the account without notification disregards the consumers right to transparency and timely awareness of changes to their credit report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information after it has been removed due to a dispute.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Accounts reporting incorrectly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has viloated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXccount # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX ( said she was a manger ), XXXX ( Manager ) and all three have told me they would remove the 30 day late several times but did not. I then called back and spoke to a manager named XXXX after being on hold for over an hour. They are saying when I made my payment though my mobile app it did not go through and they realize it was in fact a mistake they made but still refused to removed the 30 day late after they submitted my information to there credit department. 

At this point I do not trust anything they tell me as when you speak to them it's as if they will tell you what you want to hear then nothing changes. I have been on time with them since I opened my account with them which was XX/XX/2018 and my score has gotten much better and not that I am getting close to fixing my credit this happens. 

They refuse to remove the 30 day late and I feel they are doing this on purpose to tarnish my credit in order for me not to close them and get an opportunity to get a better rate switch to a better credit company. 

I am XXXX years old and I am a male XXXX and I feel that they are discriminating against me and preventing me from improving my credit in order for me to eventually purchase a home.
Product: Credit card

I received a letter from Bank of America that said " we detected suspicious activity on your credit card and as a precaution we've temporarily suspended your account ''. I had applied for the card but had not received it. In the letter they asked that I call them asap. I called XXXX on XX/XX/. I spoke to XXXX who asked for my name and account number. I could only give her the last four digits of the account number as that was all that was noted in the letter I received. She then asked me for my social security number which I gave her only to be told that she could not verify my identity over the phone ... .after she had my SS #. I was told that I had to bring 2 pieces of ID to a B of A branch in order to gain access to the account. I explained that I live on the XXXX XXXX of Hawaii and that there are no bank branches on the island. I offered to send in the ID via e-mail or fax but this was unacceptable. Then I asked her to close the account which she said she could not do. 
I asked to speak to a supervisor and got the same story. She then sent me to a completely wrong department who could do nothing either and did not know where to send my call accept back to the first department I spoke with. I had now been on the phone for 40 minutes ... ... much of it spent holding. 
This is unacceptable from a financial, security and privacy stand point. Now someone at Bank of America has my social security number, access to my credit card account and knows my name and address. I so appreciate your assistance with this troubling matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are 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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Chase sent me a promotion email saying if I book travels on their travel portal from XXXX XXXX XXXX 2023. I can get XXXX bonus points. The email provides a link for me to register the event. I vividly remember I input my last four digit credit card number, my name in that link to register. The page also showed sth like you've sucessfully enrolled. 

However, I didn't get my bonus points after 3 months. I contacted chase. They first denied there was such a promotion event. Then I continued arguing with them, they said they need to investigate. 

Then they sent me a mail, claiming I didn't enroll the offer. 

I'm 100 % sure I enrolled the offer. 

I would consider the promotion event as a scam as there is no way for me to verify the validity of enrolling.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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.
Product: Credit reporting or other personal consumer reports

NEW COMPLAINT : THE ISN'T A DUPLICATE Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. *XXXXXXXX  # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : Repossession. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received a credit card in the mail yesterday ( XX/XX/23 ) from BMO Bank that I did not apply for. It was a card in my name with XXXX XXXX from XXXX XXXX XXXX on the card as well. I did not recognize the name and when I tried to close the account the bank would not let me because it is a corporate account with a {$700000.00} credit limit. I did not authorize nor sign for any card to be opened under my name. I did not sign any papers or fill up any application form to apply for any credit card from this BMO bank. It is my first time hearing about this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not correct an erroneous credit reporting item from Bank of America. I disputed the item with XXXX against Bank of America on XX/XX/2021. I have spoken with Bank of America mortgage department 11 times and every single time, I was assured that I was never late and the balance is XXXX. However, XXXX refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX//2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX//2016 when I could not get either entity to follow Federal regulations.
Product: Vehicle loan or lease

I entered a financial loan for an automobile with XXXX XXXX, for appx. XXXX. Since XXXX I have paid ahead on the loan. Ex : XXXX : I made 3 payments instead of 1. In XXXX I made a payment, in XXXX I made 2 payments. I have my billing statement for XXXX and it shows my payments are going to interest, even though I'm continually 1 to 2 months ahead on all my payments since XXXX. Why are they stealing my money? I'm widowed with XXXX children and am trying to pay the loan off early, however : due to my payments being applied to intrest only ; I will have paid XXXX of the loan back by XXXX. However : only 15 % of that has been applied to my principal balance.
Product: Credit card or prepaid card

I received a XXXX gift card for mother 's day in the amount of {$25.00} and when I went to use it there was a XXXX balance on it ... .I never used the card until I tried to use it today XX/XX/2018.. when I call the card company they said someone used XXXX on XXXX then XXXX on XXXX ... .I told them it wasnt me and they said I have to do a dispute resolution on it and it takes up to 90 days ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX and was notified today XXXX that someone accessed my credit score without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX/XXXX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting a closed credit card account on my credit profile that I was an Authorized User. The account is negatively impacted my credit, which is unfair because I was not responsible for this debt as an authorized user.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX
Product: Checking or savings account

I went into my bank to cash a check was notified that my checking account was negative. I asked for statements and a place called XXXX XXXX XXXX had debited my checking account twice without my knowledge. 
The debit card that they got information to somehow was wupposed to be closed a week or two prior by my bank. I found out this day that in fact the bank did not close my card and the company debited it and put my account in the negative. 
I have attempted to call the XXXXXXXX XXXX XXXX for refunds and they state their computers are always down. I even sent emails requesting them not to use my information as i am not sure how they got it.
Product: Student loan

The loan was obtained under false pretenses that if I made 9 monthly payments I would have the option to get the payment lowered. However after making t hat 9th payment   Wells Fargo co ntinued to mis-represent their product that they sold me. I was given false representation on this product in order to make a sale. I was told I have no other option other than to get my credit pulled and refinance the loan as a whole.
Product: Credit card or prepaid card

I paid off the balance owed and my credit card has a {$500.00} credit limit rather it going back to the credit card limit its showing the balance of {$490.00} I been paid off the balance i sent capitol one {$150.00} and then {$170.00} someone is not calculating the balance correctly because one minute its showing the balance is {$170.00} I paid the {$170.00} then the next minute its showing a balance of {$150.00} I paid the {$150.00} and then it was showing a balance of {$120.00} I paid the balance now its saying I owe {$7.00} needs to be paid some reason this balance is not being calculated correctly whatsoever I tried calling them and they're saying its too many callers I need for you all to look into this account because they are not doing right by me in regards to this credit card.
Product: Checking or savings account

The PenFed company has NOT solved the issue and i request that the complaint remains open. Why did you close the unresolved complaint? Was this bot managed? The PenFed company still holding my deposit ; PenFed said, as mentioned in initial complaint to you, they sent a check, no check was ever received at my steady address on record. The company did in fact put a stop payment on the check but NOT until I notified them of not having received a check XXXX weeks after my money matured. Furthermore, the company is correct in having transferred the funds however to this date the funds, which is MY money in MY PenFed savings account, is still blocked by PenFed from allowing me to ACH all my money to my external account, except for {$5000.00} daily. I am entitled to take ALL the money that matured in CD, as of XXXX XXXX, {$52000.00} ; as the rules go, and as the PenFed agent told me after i agreed to transfer the funds to my PenFed savings in lieu of sending a new check. As of today XXXX of XXXX, XXXX weeks past the maturity date, i have no full control of the funds in the PenFed savings account. And they are disingenuous telling you that the customer got all his money, its in the PenFed Savings acct. That has the flavor of embezzling. In the meantime, PenFed had the audacity to charge my savings account a {$2.00} fee for Paper Statement. I did not agree to paper statement and also NOT receive a paper statement.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I came across inaccuracies that require attention. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX and Transunion credit bureaus are obligated to authenticate these accounts. It is impermissible to label these reporting accounts as unverified without furnishing evidence within the legally prescribed timeframe. The erroneous information on my credit report that necessitates investigation and correction includes : XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX Balance Owed : {$130000.00}
Product: Mortgage

Re : CPFP Case No. : XXXX ( the Case ) ; XXXX XXXX XXXX ( the Consumer ) and XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ( the Property ) To whom it may concern : The Bank of New York Mellon ( BNY ) has completed its research of the Property. Our research shows that BNY performed administrative services in connection with your loan on the Property a number of years ago. The servicer for your loan is the party who is required to service the loan, which includes, among other things, determining whether to modify, foreclose on, or respond to Consumers concerns related to, the loan. BNY advises you to reach out to your servicer for assistance. Please update your records to reflect that your lender or servicer is the appropriate responsible party to respond to the Consumers concerns. BNY The statement you sent me is inadaquate send me the documentation you have and check the law 31 CFR 1020.410 - Records to be made and retained by banks.