23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I went to close my account at PNC Bank, XXXX XXXX XXXX, XXXX OH XXXX. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. We were in the bank about 30 minutes to get close the account and make one other transaction. Both the teller and manager kept my license and did not offer to return it. My wife had to physically take it from the managers desk. The unprofessional and party atmosphere of the bank is appalling. The lack of business sense in now knowing how to close an account and return legal documents show this bank is there for themselves and not customers. I sure did make the right move in closing the account. I will never return!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

hello, I had a XXXX XXXX XXXX, the vehicle got bought back in 2017, its still on all 3 credit bureaus, I call several times, no response, like to get it removed to get a better credit score
Product: Credit card or prepaid card

I have been dealing With Bank of America prepaid claims now for 2 months trying to get this fraud dispute taken care of I have called numerous times starting XX/XX/2022 and 2 to 3 times a week in XXXX. They just denied my claim again for he third time. I have sent police report and dispute letter and hardship this has costed me. I'm at A standstill because I don't know what else to do. My wallet was stolen out of the front seat of my car with the card envelope and a couple other cards. Please help me get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting bureau Date of XX/XX/XXXX Company XXXX XXXX Its a car lease that was not mine. It was removed from my credit in XXXX and then put back on in XXXX. I dont know why but I have have been disputing it ever since and they will not remove it. Instead they keep updating it which keeps it on longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.
Product: Checking or savings account

bank of the west has been reporting I owe them XXXX on my credit for months. Ive made multiple attempts to the collection agency and BOTW as well but I never get any response. They are ruining my credit and I've offered payment for delete over the amount and now the exact amount and still I've received no reply.
Product: Vehicle loan or lease

I turned this lease on XX/XX/2020. When I turned the lease in there was no payment due and all financials have been resolved when I got into my new lease. When I called GM Financial they told me that everything was all set and I did not owe them any more money. They then reported this as a 30 day late in XX/XX/2020. I don't know if this was due to me turning in the car on the last day of the month. But this was not 30 days late. GM Financial agrees that this was not 30 days late but it still shows on my credit report as a 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Will not Release my Credit report to XXXX XXXX XXXX. XXXX XXXX XXXX has called 5 times and I have called 6 times. I have been given different reasons as to why they will not release my report from incorrect address to a Fraud Alert. At the end of every phone call the representative guarantees me that the problem is fixed. We go to pull credit again and they are still not releasing it. My credit has been pulled by the same lender 6 times and each time equifax will not release my score. This action has caused me financial harm and emotional distress. I have attached a sample of my credit report pulled by my mortgage company, as you can see Equifax will not release my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am formally lodging a complaint against TRANSUNION for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, XXXX detail the relevant statutes and stipulate the necessary corrective actions : XXXX. Inaccurate Bankruptcy XXXX : TRANSUNION has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

XXXX. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( XXXX ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, TRANSUNION is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( XXXX ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

XXXX. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, TRANSUNION has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of bankruptcy by TRANSUNION is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - 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 : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$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 credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor 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: Mortgage

Selene Finance deliberately left my payments at their old Post Office Box for almost ( 2 ) months so they could charge me {$30.00} Home Inspection fees. They changed their payment mailing address and my payments were mailed to their old addresses which were both po box es. They were mailed registered USPS Mail. All individuals and businesses provide forwarding addresses when their is a change of address. They did not pick the mail up when it was available for pick up, they waited almost ( 2 ) months. 

The XX/XX/year> payment was mailed XXXX via XXXX Registered tracking mail number XXXX which they picked up at XXXX on XX/XX/year>. The XX/XX/year> payment was mailed XXXX registered mail XX/XX/year> tracking number XXXX and has been available for them to pick up since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my belief that Equifax closed out CFPB Complaint # XXXX as a stall tactic. If the appropriate procedures had been taken, it shouldn't have taken this long to produce the documentation requested in complaint # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Im aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Equifax has committed fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) for furnishing information to my consumer report that is in clear violation of the Fair Credit Reporting Act without my lawful authority. 

Please provide the written instructions that I, the consumer gave to Equifax which has authorized this furnished information. If you can not provide me with these instructions written by me prior to the notice received by Equifax on XX/XX/2022, through the CFPB portal complaint XXXX, this has been a fraudulently made consumer report using my identifying information. 

I have attached an FTC report due to the fraud and identity theft that has taken place. Im demanding the items below be blocked and removed pursuant to 15 U.S. Code 1681c-2 not later than 4 business days. I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written instruction of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a sentence of imprisonment of 2 years.
Product: Credit reporting or other personal consumer reports

These credit bureaus are not responding to my dispute requests at all. The below letters have been sent on the below dates with NO RESPONSE! This is against the FCRA consumer law. 

XX/XX/year>, XX/XX/year>, XXXX NO RESPONSE FROM ANYONE I want the below accounts removed/deleted from my credit report. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

XXXX ) XXXX XXXXXXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXX-Please provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX  XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXX-Please provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXXXXXX XXXX-Please provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Debt collection

I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. 

THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. 

I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.
Product: Checking or savings account

YOUR COMPLAINT My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted I was a fact a victim in this data breach. And XXXX has done nothing. Please help me delete this illegal accounts from my credit report listing the negative account that effected my credit report and my score went from XXXX dropped to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Late Payments on XXXX XXXX XXXX  Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my XXXX XXXX XXXX account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) # # # **Discrepancies in Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX*Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. XXXX XXXX XXXX XXXXAction Requested : XXXX XXXX. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is useless. I have provided much needed information proving the information they are reporting is inaccurate and not mine. They continue to update and report the same information. 

I have no recourse other than to report them to you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XX/XX/XXXX  XXXX has violated my rights.
Product: Mortgage

After getting their letter, in the mail dated XX/XX/year>, I called them on XX/XX/year>, and they told me they could do this without giving me the time I needed. In their letter and to me over the phone, they lied and took out the payment, when I was working with the new mortgage company ( XXXX XXXX  ), over the phone on XX/XX/year>. XXXXXXXX XXXX  was working with me, and we were waiting for the full transfer on my new account, which would take place on XX/XX/year>. 
I have a copy of the New Day USA letter. 

By New Day taking out the funds, left my bank account with less money to pay my other bills, and had to pay many {$30.00} NSFs and checks returned to my car insurance and car payment companies. Now I am behind and have fewer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were added to my credit report and I do not know who they are to even be checking my credit reports. I have called previously and nothing haven't been removed. I was told they were having a inquiry issue. 

XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX  Inquiry date : XX/XX/2020 XXXX
Product: Credit card or prepaid card

Today XX/XX/2021 I discovered that American Express has closed all 4 of my personal & business credit cards due to a business decision by them? I received no warning whatsoever or a call/letter clarifying any matter to ensure my card is active. I have been doing business with them for well over a decade.
Product: Mortgage

I was not given a clear explanation of the terms of my forbearance loan. The only information I was provided with was that any missed payments would be added to my mortgage after the forbearance period ended and that my monthly payments would be re-evaluated. I was not informed that this would negatively affect my credit score, or that it was an additional loan. I also feel that the loan was oversold to me as if it was doing me a favor.