23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : XXXX XXXX ; ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX : Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from formally XXXX now Bridgecrest XX/XX/XXXX I made a down payment of {$2500.00} on XXXX dollar car which should have took my balance to {$8300.00} however I ended up with paperwork saying $ XXXX I made all of my payments on time until running into hardship with having to get the car fixed as well as the car was picked up and serviced for a recall I reported to XXXX after few weeks that I had began to smell gas fumes I didn't feel safe continuing to drive the car I asked to be assisted in getting another car or returning the car I was told by XXXX that I could return the car when I purchased it if I was unhappy with no further obligations due to begin a buy here pay here lot when I tried to do so while looking for another car due needing to continue to get to work bridgecrest would not work with me and told me the information that XXXX XXXX gave me was inaccurate and that I still needed to make payments on the car even when it was in the shop so after not getting help I decided to return the car on XX/XX/XXXX there were issues after another with this car I was sold a lemon after the car was return the car was resold without notice neither was I given a balance all warranty contracts were canceled in XX/XX/XXXX and money was applied back to the balance of the car. there is no way possible that I should owe $ XXXX own a car that I do not have and this was thrown on my credit report with out proper notice this is against the CFPB however on XX/XX/XXXX I requested a 10 day payoff to see what the balance was after canceling all the auxiliaries that was never told to me that i was purchasing until I read the paper work the balance came to XXXX on XX/XX/XXXX as I was still making payments on this car before returning prior to XX/XX/XXXX there is no way that this should be on my report nor should I owe them anything I have reached out and tried to resolve with no resolution.
Product: Credit card

After requesting the enrollment of my account into the account XXXX XXXX program after a XXXX XXXX, the company told me I was no longer enrolled. The account was reenrolled over the internet and also by phone. The person on the phone asked me questions suggesting that my enrollment was some type of a fraud, and they also assessed late fees for several months after the account assure was supposed to be in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} XXXX XXXX : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX mailed a check from the escrow account from refinancing my home {$7000.00} check mailed XX/XX/XXXX Delivered XX/XX/XXXX Cashed XX/XX/XXXX I called to find out what happened .... I emailed them the copy of the cleared check, the escrow account information, contact information ... EVERYTHING .... they are STILL charging me fees... reporting non payments ... even though I still made additional payments .... they are showing me past due, non payments, charging me all kinds of fees ... and now telling me that it will take up to TWO more billing cycles to fix .... that on XX/XX/XXXX it was sent to " processing " and processing can take up to XXXX MORE billing cycles This is illegal!! 
I am a 100 % XXXX veteran and I don't have {$7000.00} to loose... there is NO REASON they should be reporting late, overdue, and non payments to credit ..I... no reason they should still be charging me fees and more fees .....
Product: Credit card or prepaid card

I have a Chase/XXXX credit card, and the last statement shows 19 charges I did not make to the card totaling : {$390.00}. 
Their customer service dept. tells me that I do owe this and will not explain to me why these charges are on this card, and also that they will sue me for this amount if I do not pay it. 
Can you please, help me resolve this problem. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) XXXX, AL XXXX XXXX
Product: Credit reporting

Bureau did not accurately verify collection account. They did not produce a contract with my signature.
Product: Credit reporting

they removed this info. from my credit report without my permission which is in good standards XXXX {$6000.00}
Product: Mortgage

I have been working with my mortgage company to modify my current loan. I have recently received a discharge for bankruptcy which I excluded the home from. I have been working with one individual through the process and was behind 3 months of payments ( due in part to the mortgage company changing from Greentree to Ditech as well as Bankrupcy proceedings, In short my direct deposits were canceled by the mortgage company and I did not notice it right away ). 
I have tried multiple times over the past couple months to contact XXXX from Ditech to come to a resolution and have not been able to reach him in person, I have left a number of messages on his voicemail and with his coworkers who are not willing to discuss any part of the loan other then take a payment. 
The last time I spoke with XXXX was regarding a loan modification packet that he was sending me. a few days later I received a packet from Ditech but it did not contain the information that XXXX mentioned and I have not been able to contact him since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 i sent experian a dispute to remove incorrect information showing on my credit report. They have yet to respond and fix the issue in regards to this matter. They also seem have ignored my request.
Product: Debt collection

I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started hammering my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Checking or savings account

During tax season refund time for XXXX so XX/XX/XXXX After I had reported that my account was taken over by an employee of BOA / in person at the bank My account went into risk closure. Well they illegally kept it open for deposits when seeing my tax return Magically during risk closure and them aware I had no control or access to online banking THEY ALLOWED TWO TRANSACTIONS OF XXXX to post as a credit and knowing there is no transaction to match those! 

I have reported this to XXXX XXXX in Michigan the attorney general and the IRS IS STILL WAITING IN A RESPONSE FROM THE BANK SINCE XXXX Boa ILLEGALLY WITHHELD MY STIMULUS CHECK OF XXXX and did not grant any sort of access INFACT when I couldnt withdraw and they violated federal law they then waited 30 days to RETURN THE CREDIT CARD PAYMENTS I MADE AND DESTROYED MY CREDIT THEY ALSO ARE WRITING OFF THE NEGATIVE BALANCE UTILIZING FEDERAL FRAUD BECAUSE THAT IS NOT OKAY I AM NOT RESPONSIBLE FOR THEIR MISTAKE OR EMPLOYEE THEFT YOU SEE ONLY THE DEPT AT BOA IS CAPABLE OF DOING SUCH IN THE MIDDLE OF RISK CLOSURE THEY KEPT MY XXXX tax return XXXX ish and the XXXX stimulus They do not care they had been reported to many officials and DO NOT RESPOND I HAVE BEEN REQUESTED THIS FOLLOWING AMOUNT BACK XXXX I deposited into the atm to make it positive and that Was not a balance I was legally entitled to pay because of the theft reported they were aware I had no access to mobile banking and they have all calls records and I have all the records showing the amount of their fraudsters claims in the middle of. Risk closure. 


I have filed for two years. It is not okay. 

I AM REQUESTING THE XXXX I paid to make positive when they did not give me my tax refund they took it from me for a balance on their fraud claim they authorized During my issue and they were aware in person and via phone XXXX I put into atm XXXX stimulus I can provide documents that they did not provide me any access and return the bill pay I did attempt to use that on And I want my XXXX $ XXXX tax return deposited into this BOA due to them being aware that was coming and leaving it for deposit once I informed her of my return being sent to my bank I want this money issued within 15 days as they failed to respond as it is not okay
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to deleted the wrong address from XX/XX/2019 to today, but it still exists. 
The other two credits contributed to the resolution I've lived in the NJ colony  for 40 years. 
Wrong address : XXXX  XXXX, XXXX, VA XXXX Dispute NO : XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND FOUND THESE 2 ACCOUNT
Product: Checking or savings account

Greetings, This is a ongoing problem that's caused serious hardship. I have been with this bank since XXXX. I have all my statements. I asked for help but here 's a list of unjust treatment : 1.Allowing double billing from XXXX XXXX  XXXX 2. Allowing payments to be honored even when proof was given 3. Refusing to complete complaint form- stating it is a " merchants accounts '' and they don't get involved.

4. Ghost billing- taking money out of my account twice- for example- held {$1400.00} and {$1700.00} in the pending category which CAUSED a NSF. However, why? I only have one car and showed them my original contract but that didn't matter. The only thing posted was the {$1400.00}? But the {$1700.00} is lost somewhere in banking heaven. It was held, and never returned. This transactions doesn't appear on the original bank statement. But I have proof.

5. I deposit {$400.00} cash in the ATM but it didn't posted into my account. I brought this to the bank 's attention and showed the receipt. They put it back but later took it out. I only found this out later. I want my {$400.00}.

6. The deposit are received and posted on different days, which caused NSF 7. The monthly charges are different 8. Refused to give me Disclosures forms. 
Dates XX/XX/XXXX billed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XX/XX/XXXX ATM This has cost my business a great hardship. I was told by the representative " the bank consider you a risk ''. Asked for more information and disclosure. They refused. This is my business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 

It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.
Product: Credit reporting

Equifax has continued to verify information on my credit file without validation, On several occasions by cerified mail i have disputed unauthorized credit inquires by companies i did not ask to pull my credit. There are several accounts on my file that are reporting in accurately. 
XXXX XXXX account that I do not owe these accounts and a tax lien or judgment that they are telling is verified by county court clerk who do not evensend information to the credit bureaus as this info in reporting incorrectly as well as another account for XXXX which i nver had an account with XXXX and asked for proof of my signature verifying this is my account
Product: Debt collection

XXXX has giving me the run around several times on this account. 

I talk to them several times in which different amounts they mail me. 

Someone from XXXX tells me after several attempts to get this resolved but no one follows up from XXXX to clear this up XXXX giving me XXXX Bills with different amounts I have for {$390.00} & {$270.00} But was told XXXX XXXX said on the phone {$260.00} and they clear the amount to sttle on thsg amount in which I never got the bill for the said amount after several attempts. 
This robot or AI machine in which has several issues its nit no human I have attached from XXXX XXXX different bills with different amounts they mail after I had disputed the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a charge account with XXXX XXXX XX/XX/XXXX, I was approve for {$1000.00}, I have never used this account at all. The account was closed/transferred/sold on XX/XX/XXXX which dropped my credit score. I just got a alert today XX/XX/XXXX stating that my Equifax credit score dropped another 16 points due this same account being acquired from another lender. The company name is XXXX XXXX / XXXX XXXX. It is no fault of mine that this company 's accounts has been acquired, Again I have never used this account so my score should not be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- Experian, XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Product: Mortgage

I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for. 

Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support. 

I am beyond enraged with their terrible service!
Product: Money transfer, virtual currency, or money service

On Wednesday the XXXX of XXXX I was part of a scam through purchasing tickets. I called Bank of America to see what the best way to send money safely and the customer service agent pushed XXXX. The concert was about 45 mins and I was in a rush to get this taken care of. As I sent the {$180.00} dollars and never received tickets BOA told me It was never sent ... But I got a email stating it was pending. I reached out the to the individual and he stated it did not go through and for me to try another account. After that I have sent the remaining balance of {$250.00} dollars. Which now brings the total of {$430.00} out of my account. Now that both request have gone through - BOA is stating is is my fault when they have stated on XX/XX/26 they are pending and not posted. 

I have spoken over 5 times within 48 hours to BOA, 2 times to XXXX, 1 time to XXXX bank ( One Account was connected to XXXX who retrieved the {$180.00} ) 1 time to XXXX XXXX ( who also retrieved {$250.00} ) Bank of America has stated I am XXXX out of luck due to there mistake of not stopping payment through XXXX. 

Can I have some advice on how to proceed with the BOA?
Product: Debt collection

I have received a collection from medical debt that disputed and deleted from my credit file. Now through another company this debt is trying to be resold or re-aged which is an illegal practice. The original holder was XXXX XXXX XXXX. The amounts and dates correctly corresponds with the same accounts that were deleted. Now this is a clear violation of the Fair credit reporting act. They either stop their illegal practice or face off in court for {$1000.00} for each account in small claims court. They didn't have copies of my HIPAA forms nor my signature. Which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report XXXX XXXX against me that violate the new deal they made with the Consumer Financial Protection Bureau.