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

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX and also reached out to Equifax about my concerns about the following account which is XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX and I saw some inquiries that did not have a permissible purpose, I also attached evidence Name : Transunion Date : XX/XX/year> These inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024, I contacted Ally as I was unable to log into my account. Back story, My Ollo credit card was transferred to Ally. I also gave an auto loan through Ally. They merged the accounts and now I cant log in to pay my auto or credit card.

The auto side transferred me to the credit card side. The credit card side showed that I have an account, but the credentials for a username and password were blank. A ticket was opened to correct the issue and was stated it could take up to ten days. In the meantime I had to pay over the telephone for an additional fee of {$4.00}. 

Fast forward to today, XX/XX/2024, the matter was not resolved, another ticket submitted with an anticipated date of 2 days to repair the account, and another additional {$4.00} fee to use the telephone payment line. 

I am upset that this has taken over 30-days and the online accounts are not working, had to use the telephone payment line twice for an additional {$4.00} fee each time, and unable to see my accounts. I am unsure my automatic payment on my credit card will function this month either. 

XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX  {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I have been going back and forth with Amex in regards to 2 different charges on my account by lawn starter. I have provided tons of documentation and they still allow this company to get away with fraud and unlawful billing practices. XXXX has charged multiple transactions on our account even though the same day that automatic pay was set up, my husband called them to change the billing card information. They stated that they did so. I even provided an email where they said that they would investigate why the information wasn't changed. They were charging 2 cards at the same time even though the card that they should have had on file that my husband called in to change was supposedly changed. I legal action because I feel that this practice is illegal. The claim number with Amex is XXXX. Their calls should have been pulled as well. Maybe if I file a small claims case, your company will pull the calls. I have supplied tons of documentation and I need this decision reversed asap.
Product: Debt collection

I received a letter on XXXX XXXX XXXX Owed XXXX, account number XXXX From sent BC services For XXXX XXXX XXXX XXXX in my name stating that I Owed. A letter on XXXX XXXX XXXX was sent to BC services to validate the debt. on XXXX XXXX XXXX and itemize bill was sent to XXXX XXXX and not to me .Attachments will be added
Product: Debt collection

Multiple calls to me and call to my former recruiter. XXXX XXXX from Revenue Reporting called and left a message for me on XX/XX/23 and XX/XX/23. I got a call from my ex-recruiter on XXXX saying this person had called him. I returned her call and asked her not to contact my former recruiter as he is just an employee for that company and doesnt operate in a HR or managerial capacity. That this disrupts his work day. I asked her to please mail me all information that explains exactly what she is calling about so I have it in hand. I still do not know. She goes on to say with the nastiest, condescending tone that her IP tracker knows I opened and email she sent and since I asked her to not call my former employer she would submit verification forms for something. Still unsure for what. I then hung up the phone. I felt she was threatening to use my info in some way. Considering her tone, I knew I would not get any helpful info from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX  & XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX  has done as well as Experian and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with Experian XX/XX/XXXX pending investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you as I have found recently in my Transunion & XXXX credit reports fraudulent accounts and inquiries. Please help me to remove those accounts and inquiries from my credit report as I'm a victim of identity theft. 

These are the accounts XXXX XXXX - XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the Inquiries XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching also my ID , SSN and FTC report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

XXXX transitioned to Cadence Bank in XX/XX/XXXX, our account was opened with XXXX in XX/XX/XXXX. The first issue we experienced was in XX/XX/XXXX with money missing from our account. It was not shown in our statements, but the money was missing. Then, they canceled a payment for our XXXX XXXX. This led to our car payment not only being reported late, but a repossession as well. We then closed our account and switched banks.
Product: Payday loan, title loan, or personal loan

I went to the location to get my print out of all that I paid and all I ever borrowed and this is what they gave me I do not owe them a dime
Product: Vehicle loan or lease

This creditor XXXX XXXX Account # XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

FromXX/XX/XXXXtoXX/XX/XXXX I 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

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Some of the recorded accounts contain inaccuracies concerning reporting, incorrect figures, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX, Experian and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of FCRA, XXXX, XXXX, and Equifax ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being reported.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account ( XXXX XXXX ) .and accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX BARCLAYS BANK DELAWARE XX/XX/XXXX  XXXX XXXX XXXX XXXX I disputed them with creditor and credit bureau but they remain on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of FCRA for failure to follow the procedures on the below accounts XXXX XXXX # XXXX inacurrate payment history- inaccurate payment status inaccurate date of last payment-no notice of dispute during or after investigation. 
XXXX # XXXX payment status inaccurate - no notice of dispute during or after investigation. 
Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... 
the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. 
15 U.S.C. 1681i provides the procedure by which a consumer reporting agency ( " CRA '' ) must abide whenever a consumer disputes an item contained in his or her credit file. 
Section 1681i ( a ) outlines the reinvestigation that the CRA must undertake after the consumer notifies the CRA of the dispute. 
Section 1681i ( b ), in turn, permits the consumer to file a " statement of dispute '' with the CRA in the event that the reinvestigation fails to resolve the dispute. 
Finally, Section 1681i ( c ) requires any consumer report produced subsequent to the filing of the statement of dispute to clearly note the dispute " and provide either the consumer 's statement or a clear and accurate codification or summary thereof. ''
Product: Debt collection

I open up a RV Loan with M & T Bank in XX/XX/XXXX. Recently The RV was flipped and considered totaled after hurricane Zeta on XX/XX/XXXX. Most {$31000.00} was paid in XXXX which still left a balance of around {$4100.00}, the balance as of today is {$3100.00}. I am currently as always making payments on time and have never had a 30 day late. I have very good credit and do not want to do anything to change that especially during these hard time. I had a collection call from someone with a dog barking in the background so I was a little weary. She told me my account has been closed and needed to be paid by with in 20 days or it will be sent to collections. I have all intentions of paying it. I am still dealing with the GAP and RV Dealership to rectify this situation. In the mean time I planned on making all my payments in full if not more every month until this balance is paid in full. She told me it needed to be paid in full this month.
Product: Money transfer, virtual currency, or money service

I accepted a job offer from an investment firm that seemed completely legitimate. Now, here I am almost {$10000.00} negative in my bank account. The company had me transfer XXXX from a savings account through XXXX XXXX XXXX that they called a corporate savings account in my name to my bank of america checking account. This was on XX/XX/XXXX. On XX/XX/XXXX, the amount showed as posted into my account and I then used the money to purchase bitcoin for what I thought was clients for this investment firm. Then on XX/XX/XXXX, I logged into the banking account and they had taken that original transfer back out after stating that it was available for use and after I had I used it. The company was working under the name XXXX XXXX XXXX XXXX Now, the website is closed and the email goes no where and I can not get a response from them. Clearly, I was scammed. I need help.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts XXXX XXXX, and here is my account number : XXXX XXXX XXXX, 2024, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX I received a promotional email from Lowes Credit Service via synchrony bank advising that if I used my Lowes Credit Card I would receive a XXXX percent rebate versus the normal XXXX percent in store rebate. I used this card for purchase order number XXXX for a range and observed the cashier scan the code during checkout. After returning home I looked at the receipt and it did not show a XXXX percent discount only XXXX percent. I cancelled the order and attempted a similar transaction online using the same code and received an invalid code notice. I returned to the store and was advised to call XXXX XXXX who in turn advised me to call Lowes Credit Services as this was their promotion. After XXXX minute on the phone the customer service representative said I needed to go back to the store and attempt the same transaction and then advise them what the error code was when they attempted the transaction. I advised them that there was no error code when I personally witnessed the first transaction and that still doesn't explain why the attempted online transaction gave me an invalid code when I entered the digital information. By way of background I received one of these promotional emails earlier this year in XX/XX/2022 and did not receive the percent rebate during checkout and after a lengthy discussion with the cashier and onsite store manager in XXXX, Georgia I cancelled the transaction. In my estimation Lowes Credit Services via Synchrony Bank is conducting a bait and switch fraud on consumers.