23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED HAR INQUIRY. XXXX XXXX SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX FTC complaint against Experian. XXXX Case # XXXX opened on XX/XX/XXXX and more recently XXXX # XXXX Opened on XX/XX/XXXX. After filing my complaint about Experian, going behind my back to check my credit account and wrongfully dropped my credit score. They have now decided to take my credit score completely. stating that I don't have a long credit history, therefore I am Un scoreable. This is a lie. I opened a dispute against them then on XX/XX/XXXX they opened a dispute in my name. then took my score away. I saw where they have removed items of credit summary. This is a clear-cut case of retaliation!! and it is illegal
Product: Debt collection

Someone has obtained my SSN and applying to numerous payday loan websites. They have also ordered a phone using my SSN with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the XXXX XXXX which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.
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. 
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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.
Product: Bank account or service

My account went over XXXX in overdraft fee for charges that processing on my account before XXXX electronic checks were charge to my account. When I went back to take a look at my account I notice that the items that was in my account process somehow came out of a negative charge balance on my account. When the XXXX checks came into my account my account had fund in it with XXXX items processing. Overnite I check my account and XXXX elerctronic checks that came into my account somehow was processing and the items the was slide using my debit card was in the negative status and not the XXXX checks. I called and ask the rep on the phone what happened to my surprise the rep stated that the checks camae in before the items that I slide on my debit card going back and forth with the rep stating that was not true that rep became to tell me that is how it goes. Then I asked how was I charged XXXX overdrafted fee I thought I was only charged XXXX fee and then after 5 days I would have another XXXX added if that XXXX was not paid for. He then told me no bank of America charge you {$35.00} per item by government law. I then let the rep know that I have had this account for sometime and there has never been over draft fee on my account like this. So then I check my account on the 3rd day of overdraft and seen there was a 5 day over draft fee add and then another and then another. I called the bank the rep said that is right and there is nothing I could do about it. Now my account is XXXX in over draft fee with my account went negative on the XXXX of XXXX. I ca n't take this anymore I have been paying fee more than using my account. I do n't know what is going on but I need to report this because there is something seriously wrong with there system with charging these fee incorrectly to the consumers account.
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX. ( XXXX Credit Card ) : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
The account has been re-aged, with inconsistent late payment dates across XXXX, XXXX, and Equifax, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX ( XXXX Credit Card ) : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ).

The credit limit and high credit amounts reported vary across XXXX, XXXX, and Equifax, also violating FCRA Section 607 ( b ) regarding accuracy of information.

I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from XXXX, XXXX, and Equifax highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, XXXX, and TransUnion consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while XXXX and TransUnion are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and XXXX and TransUnion are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and TransUnion is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as XXXX and TransUnion are inconsistent and not following these laws.
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 U.S.C. 1681 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  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 consumer report containing any of the following items of information any other adverse item of information other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Bank of America has seized money from a Guardianship checking account under a fraud claim and will not release them. 
This is an account monitored by the Probate Court in XXXX, SC. BOA seized the funds out of this account back in XXXX 2017, and told me it was under fraud investigation. I have been to the bank multiple times to get information as to what is needed to release the funds back to me, but I have not been given any information. I made repeated trips to the bank and spoke with the branch manager and he made phone calls to the BOA legal department all during the month of XXXX, and the only response given is that it is under investigation. 

I had a phone conversation at bank of America to the Fraud department on XX/XX/XXXX, and did a follow up Email in regards to my account which is under fraud investigation. I understand that the funds of {$18000.00} are still held in the HOLD HARMLESS account by Bank Of America. I also understand that the fraud case is still open and someone is investigating the account. Also I understand that this person has the 18 pages of documents that I provided Bank Of America months ago that explain in detail from the Probate court that the account was a legitimate account.

I have asked Bank of America to provide any details of what they need from me or the Probate court to release the funds ASAP. At this point the funds are needed for my mother 's assisted living care. Also I need to provide the court with information as to why I do n't have access to the funds at this point, and what is being done to get them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to Equifax, and XXXX several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including Navient to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show. 

Please remove these late payments off my credit report from navient. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am attaching proof of this as well. Thanks again
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A : 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: Mortgage

I wish to complain about the mortgage loan with TD Bank USA, which was obtained XX/XX/XXXX and paid on consistently until XX/XX/XXXX at which time I met a hardship due to unemployment. I have made efforts at bringing the loan current and getting a modification. I was able to get the lender to agree to a modification trial period however the issue is the principle balance increased by XXXX XXXX dollars and the home was never in default nor did the loan ever reach 90 days late. Furthermore, the payment process was severely hinder by denying online access and combined with phone payments not being applied to my loan and requiring multiple attempts to get the XX/XX/XXXX payment applied to my loan. I seek relief from the disruptive and oppressive practices the banking processes with TD Bank USA mortgage department. 
I have not received a written explanation of the reason for the increase of mortgage principle and the verbal explanation was the lender did not want to confuse me or the numbers were being processed and i would be notified when the modification was finalized.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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, the accounts listed on my attachments 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 an 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: 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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX, Account number : # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed 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.
Product: Checking or savings account

Company refuses to close my account over the phone. I assume this is in retaliation to previous complaint. Company permitted me to open my account online, performed bait and switch promotion scheme, now refuses to close my account. They claim that I am required to go in branch to close account. I can not find record of my agreeing to those terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Student loan

I applied for a XXXX XXXX XXXX from Navient after my school, The XXXX XXXX, was found by the XXXX XXXX and the XXXX XXXX XXXX to have misrepresented and discharged all students of their federal student loans. I also was part of the XXXX vs XXXX XXXX. However, Navient recently responded to my application by stating that I 'did not meet their requirements. ' I believe that I do meet the requirements and would like further explanation for their decision.
Product: Checking or savings account

On XX/XX/year> I opened a dispute with USAA ( dispute case number XXXX. ) re guarding a transaction on my checking account with XXXX for {$500.00} and another for XXXX for a paint job that was not done correctly. When opening the dispute I included dates, times, emails and pictures showing proof that the work was not done properly and that I never received a response from XXXX trying to resolve this matter. USAA refunded me the money then reversed the charges after a mistake on their end stating that they did not receive the information needed. I called and provided proof of the documents as well as emails again to USAA with no word from XXXX. Then after 6 months XXXX responds to USAA and tells them that they will resolve the issue. well at that point I no longer have the vehicle and the USAA claim should have been completed according to their policy. this has happened to me a couple of times when disputing items with USAA, you provide documents on your behalf that they just ignore.