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

Letter : to CFPB and EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, XXXX, TX XXXX Improper Use of My Credit Report Dear Sir/Madam, I am writing to formally report an issue regarding what I believe to be the improper use of my credit report by Experian. My details are as follows : Description of the Issue On XX/XX/year>, I discovered that my credit report was accessed by Experian without my consent or for an improper purpose. According to the Fair Credit Reporting Act ( FCRA ), a consumer report may only be obtained for specific permissible purposes, and I do not believe this request falls under those categories. 

Supporting Documentation : I have Screen shots of both XXXX, Experian pertaining to my personal information on my credit report. XXXX has the correct information listed. I MARKED IT WITH A GREEN CHECK MARK. EXPERIAN has the wrong information listed on my credit report, I PUT A XXXX XXXX XXXX XXXXXXXX BECAUSE THAT INFORMATION IS NOT CORRECT. 

Request for Investigation I request that both the CFPB investigate this matter promptly. I believe that my rights under the FCRA have been violated, and I would like to know what steps are being taken to address this issue. 


Please keep me informed about the progress of your investigation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you. 

Sincerely,
Product: Checking or savings account

They are keep debiting my Checking account without my permission its a fraud by BBVA Even they debited my account on XXXX XXXX for {$140.00} and {$12.00} Please reverse this unauthorized debited funds asap
Product: Credit reporting or other personal consumer reports

I had my account freezing or over XXXX years and XXXX let companys run my credit report with a soft pull. On past and current times. They are report collection on my report that I shown different times on my XXXX XXXX ( home depot XXXX ), and ( XXXX XXXX XXXX ) this account should be on my account. Showing late payments to account that I was not playing.
Product: Credit reporting or other personal consumer reports

I filed an identity theft complaint with authorities. I also disputed these XXXX inquires with Equifax. They were all done around the same time and I have no accounts for these inquiries. Equifax on investigation said they would be REMOVED. See attached investigation. But they still have not been removed. 

They also got my name wrong. on my report it states '' XXXX XXXX XXXX XXXX ''. 
I am " XXXX XXXX XXXX XXXX '' XXXX  is my father. and he does not put XXXX in his name. 
See page one as proof of their mistake.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the Acct. # XXXX, & XXXX XXXX XXXX  opened on XX/XX/XXXX under the Acct. # XXXX and collection accounts at XXXX XXXX XXXX that appears related to the aforementioned personal credit cards, an auto loan account opened with XXXX on XX/XX/XXXX under the Acct. # XXXX, a line of credit with XXXX  opened on XX/XX/XXXX under the Acct. # XXXX and a collection account at XXXX XXXX XXXX that appears related to the aforementioned line of credit opened on XX/XX/XXXX under Acct. # XXXX, medical services with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX and a collection account at XXXX XXXX XXXX that appears related to the aforementioned charge. XXXX XXXX XXXX  account has resulted in fraudulent hard inquiries and fraudulent collection.appearing on my consumer credit report. Ive attached the hard inquiries in question as well as a copy of my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- COMENITY CAPITAL/XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATED-XXXX XXXXXXXX BALANCEXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Debt collection

I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a duplicate account on both my XXXX and Equifax consumer reports. The XXXX XXXX XXXX  account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate.

There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
Product: Mortgage

This is an excerpt from an email sent to Triad on XX/XX/2022. 

we closed on our construction to permanent loan in XXXX. I made payment in XXXX and XXXX for what was due. My XXXX payment was supposed to be my first permanent loan payment. My XXXX payment was never applied to the loan only showed up as unapplied. I made several phone calls at the end of XXXX and beginning of XXXX in regards to this. I was told because the loan was being transferred to permanent that is why it showed unapplied. Well it started getting closer to the end of XXXX and I called again. I believe the same day I called the 3rd or 4th time my XXXX payment was then reversed and also changed to unapplied. Tried calling again after a couple of no changes. Was told it was again because the loan was being converted, and they would send the the manage of the department an e-mail to call me. An e-mail was sent because getting someone on the phone in that department is a complete joke. I never received an email or phone call back from XXXX after the below email was sent. 

I called again on the Friday after that email and a lovely person in the servicing department got her manager involved. I received that phone call on Monday letting me know she was going to again get a message the manager in closing, XXXX, to call me. I received a phone call on Tuesday from XXXX who was told my XXXX to call me and tell me the loan had not been converted because I had not made payments. Had he or his supervisor taken 2 seconds to actually review my account before calling me they would have seen I made my payment on time and correctly both months. 

At some point in all of these phone calls I received the information that the original person working on converting the loan was no longer with the company. 

I do not what is going on, but my online account shows I owe a total of about {$2000.00}. As far as I can tell what is currently due after taking away what is in unapplied, my total due is still not what it should be for my permanent payment. 

Since this e-mail, I have spoken with XXXX, who is in the process of converting out loan to permanent, two time. Both times I have spoken with her she let me know it is being worked on and give a date about a week away that is should be completed. 

My 2nd payment for my permanent note is now due tomorrow. I have been reassured nothing will be counted against me, but at this point I now have 2 house notes to pay at once because of their issues and errors. 

This is been the worst mortgage/loan company I have ever had to work with.
Product: Credit card or prepaid card

The credit card balance was XXXX and I got a bill on XX/XX/2019 for the amount of XXXX. I thought that it was an error and called Best Buy XX/XX/2019 at XXXX XXXX. They told me that my promotional card expired and the deferral fees applies.I have always pay my account on time and it set up directly from checking account. I ask them if they inform me about this and that I need to pay before the promotial expire, They told me that it is in my statement. I want them to show where they tell the client that payment will increase this much and where in the statement gave me the opportunity to pay my balance before this happened.. This is scam, when I applied for this card they told me that after time if I dont pay the balance then they will start charging the fee howver never said to the customer about charging {$4100.00} for fee .Please see the bill, this needs to be bring to the attention of someone. 

I want to bring them to court because they have been doing this to others
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as 30 days late when i did not recieve a statement to pay from, they never called me or emailed me or texted me to notify me they would report a 30 days late even though i have had account with them for many many years and HAVE NEVER BEEN LATE> As soon as I was notified i corrected the issue.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX days 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Product: Credit card

I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.
Product: Credit card

Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX account number ending in XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I checked my Credit Karma account and notice that I have an inquiry on my personal credit report that I did not authorize. The inquiry is from a company by the name of CARD ASSETS, A DIVISION ; for XX/XX/year>. I immediately called Equifax, to inform them of this inquiry concern. An Equifax agent told me to make a complaint with FTC.gov, identitytheft.gov, and to go online to their dispute center to upload the documents. The agent mentioned that, by doing this, they would be able to dispute the inquiry right away. 

Note : The agent that I spoke with told me to go online to their website, in order to request a credit freeze. Without guidance, I had to figure out how to put a freeze on my account, as well as place a fraud alert on my account. This includes conducting my own research to get the telephone number for Card Assets Division ; agent would not provide it to me.

Note : I called Card Assets, A Division and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I mailed out more needed documents that the Equifax agent requested from me ; mailed to the address the agent provided me. This includes copies of my drivers license, social security number, FTC report, cover letter etc.
Product: Debt collection

Ncb management services trying to collect a debt thats not mine also I sent validation letters Over 60 days ago never heard a response for this Company I need signed documentation copies of my signature for this type of loan I never do any business with this company
Product: Checking or savings account

Since XXXX, US Bank has started charging me a dormancy fee of {$5.00} per month. In speaking with a representative, I learned that they sent a single notice via standard mail in XXXX before applying this fee. They had my phone number, email address, and physical address, yet nothing was sent via certified mail. If the single mail notice was lost, they proceeded to charge the fee without further attempts to contact me. 

Despite receiving numerous promotional emails from US Bank, I received no phone calls or additional notifications regarding the dormancy fee. One would expect the bank to use multiple means of communication before imposing such a fee. This approach seems like an unfair tactic for banks to generate fees without adequately informing their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXX the XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX XXXX  of this country! You can't report both loans! Thgis is Fraud!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in the fall of XXXX. Since then I have been disputing unverified accounts on my credit report with TransUnion. TransUnion has not been of any assistance, even failing to respond to my dispute letters, twice. 

XX/XX/XXXX : Sent letter disputing unverified accounts on my credit report XX/XX/XXXX : Sent letter asking for deletion of unverified accounts since TransUnion failed to respond within 30 days allotted according to the FCRA. 

XX/XX/XXXX : TransUnion responds with letter stating that nothing was deleted from my credit report. No mention of its FCRA Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint.