23daVinci/CFPB_Complaints huggingface dataset:
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. 


U S DEPT OF EDXXXX XXXX XXXX {$8600.00} - Has violated my rights U S DEPT OF EDXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights DEPTEDXXXX XXXX - {$0.00} - Has violated my rights U S DEPT OF EDXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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: Checking or savings account

I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.
Product: Credit reporting or other personal consumer reports

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to XXXX, Experian and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating XXXX balance ) Each time I submitted a dispute with each credit bureau ( XXXX, XXXX, and Experian ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted Experian, XXXX, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, Experian is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint.

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I know from Financial Ombudsman Service that I have investments with Ishares in XXXX XXXX XXXX XXXX CA and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
I made my letters several time with request for more information because I received many letters via my email XXXX about XXXX XXXX Forms XXXX with 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 Form XXXX XXXX XXXX XXXX  XXXX Filer XXXX XXXX  issuer info XXXX File No XXXX XXXX XXXX Securies name XXXX XXXX XXXX XXXX Common XXXX XXXX XXXX Co XXXX NY XXXX Aggregate Market Vlue XXXX Number of shares of XXXX Unit XXXX XXXX XXXX Aproximate date sales XXXX XXXX XXXXXXXX XXXX XXXX 
My question is if I have had some shares with XXXX XXXX CA and XXXX XXXX if I have some accounts money, transactions and if these assets were made via XXXX XXXX XXXX XXXX Truist bank XXXX XXXX GA XXXX because I received letter and from XXXX XXXX for payment of Debts with XXXX XXXX If I have some investment accounts with Truist Bank XXXX and other kind of accounts. I am Bulgarian XXXX date of Born XXXX have records for many banks and Companies in XXXX and investments XXXX Financial Industry in XXXX XXXX beg XXXX to be check what had happened and if I have to receive some money if were made some transactions to XXXX in XXXX XXXX XXXX XXXX if XXXX have account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX via XXXX XXXX for 99 years on XXXX became XXXX XXXX Funds XXXX XXXX XXXX XXXX Assets XXXX XXXX .gr and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX aboout XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I look for and XXXX Bank XXXX XXXX XXXX XXXX with same questions/ XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Bond XXXX traded XXXX expired XXXX ; ISIN XXXX traded XX/XX/XXXX Expired XXXX total payment XXXX transferred to XXXX Transfer account XXXX Bank XXXX XXXX XXXX XXXX XXXX ISIN XXXX XXXX traded XXXX expired XXXX transferred to XXXX XXXX XXXX XXXX traded XXXX expired XXXX with total payment XXXX transfered to XXXX via XXXX XXXX XXXX XXXX XXXX account XXXX receiver person or institution was His or Them account in site in XXXX owner was in XXXX Common Stock with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX FDIC XXXX renamed XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX wrote in site as XXXX XXXX XXXX XXXX XXXXame as XXXX XXXX XXXX traded XXXX expired XXXX with XXXX XXXX Bank transferred XXXX XXXX XXXX Complaint Department XXXX XXXX and XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX.If I have some transfers and Companies to XXXX Confederations with These Banks and Brokerage XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( Transunion ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. XXXX listed with Transunion that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and Transunion : The account numbers were changed for different accounts XXXX was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
XXXX was filed with XXXX XXXX same account. Changed and Closed XXXX  was filed with Transunion ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX received a XXXX deposit from XXXX XXXX ( co-worker ) for {$3500.00} to my personal savings account which I have with Wells Fargo. XXXX XXXX called & text me to confirm if I received the {$3500.00} because her account had been hacked. I confirmed that I received the money. XXXX XXXX communicated that she was on the phone at the time with customer service from Wells Fargo, as she also banks with Wells Fargo. I asked what the bank like me would to do. XXXX XXXX respond, to send the money back. I then went into XXXX, and sent the {$3500.00} back to XXXX XXXX. The next day, XX/XX/XXXX XXXX XXXX notified me that the {$3500.00} was not in her account, so she placed a fraud claim with Wells Fargo. On XX/XX/XXXX, XXXX XXXX notified me that her claim with Wells Fargo had been resolved and she received the {$3500.00} back. The next day, XX/XX/XXXX, I contacted Wells Fargo because I was locked out of the online banking. They reset my account and I then discovered that {$3500.00} was taken from my personal savings account. I received no notification or reason why funds were taken. I contacted Wells Fargo fraud department to submit a claim for my missing money ( # XXXX ). On XX/XX/XXXX, I called the fraud department again to check the status of the claim and I was denied a refund and claim closed. I had the same claim re-opened again. On XX/XX/XXXX, I contacted Well Fargo again, my claim was closed, and no refund received. I requested to have my call escalated to a supervisor. The supervisor opened a new claim ( # XXXX ) with more details and assured me that this would be resolved. About XX/XX/XXXX, I called to get the status of the claim and the claim was yet again closed and no refund received. Wells Fargo wrongfully closed XXXX XXXX 's claim by taking my personal savings of {$3500.00}.
Product: Debt collection

I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system.
Product: Money transfer, virtual currency, or money service

I went in the branch ( chase ) to transfer XXXX to XXXX to pay mortgage but it never arrived. I have contacted with the agent ( reciever ) and he didn't get it. This is not the first time for this transaction. XXXX us the third attempt and still didn't work. I have contacted Chase and went in the branch try to resolve this matter but unsuccessful. I have the refund case # XXXX  from Chase. Can you help to solve this problem please. Thank you so much.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and Noticed that I had a Few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for account ( XXXX XXXX ). ( Account # XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Bank account or service

Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.
Product: Debt collection

I had a call which I answered telling me that a lawsuit has been filed against me to press one for more information. I pressed one and a rude individual asked me for a case number. I informed them that I didnt know but expected them to know when they called my phone. She told me that my logic was ridiculous and that she did not call. I informed her that someome from there called and asked me to hold. She hung up. I called back and told her that she was completely unprofessional and in violation of the fair debt collection act. She told me I had " too much energy and that she was not the irresponsible individual who did not pay their debt. '' She hung up. I calle dback and she lets the phone ring. With XXXX, I have learned that the number is registered to Jefferson Captial. I want to pursue this violation and be compensated for their behavior.
Product: Debt collection

I received a call from this company on XX/XX/XXXX at XXXX XXXX and verified my information to confirm my identity. At that time, I verified that my phone was correct and verified my mailing address, which they had off by one digit. She then wanted me to speak with someone else and I was at work and could not so she said that meant that I was being not willing to cooperate and hung up on me. I then received a text message at XXXX on XX/XX/XXXX stating they were seeking contact information for me. I called later in the day and provided this again and advised that I do not want them contacting me prior to XXXX and he said they dont start until XXXX. I offered to email him a screenshot from my phone and he declined and said he would speak to his IT department. Regardless, they already have my contact information, I have lived in the same place for almost 10 years and have had the and phone number for 7 years, plus I provided this on the XXXX. Today, I received the same text ( after XXXX ) I disregarded this, but my sister also received it and forwarded it to me. I called and was told this was automated and for 72 hours these outreaches will continue after that it should stop, even though they have the information they need and have had it for 5 days now. I dont understand why for 3 more days, they can just contact anyone in my family, my friends, my employer I guess and ask them for my contact information for purposes of collecting a debt when I have provided this to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XX/XX/year> I am submitting this statement to provide additional context regarding the collection account listed on my credit report. The debt in question is related to XXXX XXXX in XXXX, and I acknowledge that it resulted from I was paying month-to-month for my housing, which led to some confusion regarding the balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act LXXXX 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 a account without my written instructions in accordance with the Fair Credit Reporting act 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 a account without my written instructions in accordance with the Fair Credit Reporting act 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 a account without my written instructions in accordance with the Fair Credit Reporting act 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 a account without my written instructions in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX, I was involved into car accident so I went to XXXX XXXX on the same day to get check up. They did a XXXX  and XXXX  on me for total amount of {$9300.00} on XXXXXXXX  because I have no health insurance. But couple months later they changed the bill to {$23000.00} which is why I'm shocked and I have no money to cover such bill and I'm only earning {$30000.00} below annually for food delivery and I'm XXXX percent below of the poverty line. On XX/XX/XXXX, they even hired the third party which is Harris & Harris Ltd. to try to collect the wrong amount of debt after 60 days which is why I want dispute it.