23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i had been a shocked, I noticed that i have been a victim of identity and found numerous credit inquirires i have no knowledge of here the inquiries that i have found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank Card Subject : Request for Account Deletion as per XXXX XXXX XXXX Points of Compliance I am writing to request the deletion of my account from your records in accordance with the XXXX XXXX XXXX Points of Compliance. As a consumer, I understand that the XXXX XXXX format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting. 

I kindly ask that you consider the following XXXX points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness. 

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access. 

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the XXXX XXXX guidelines. 

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account. 

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX guidelines. 

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the XXXX XXXX guidelines. 

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information. 

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

Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. 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 end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal 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 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  Under 15 U.S.C 1681 , section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then XXXX years. 

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act XXXX XXXX account number 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 604 A - section 2 also states I consumer reported XXXX  Can not report an account without my Written instruction or consent to do so.
Product: Credit reporting or other personal consumer reports

This debt collector SANTANDER engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card customer service representative erroneously made an error about letting me know as to soft- pull instead of a hard-pull. The latter immediately cancelled my credit card and advised me not to worry because they will notify the reporting agencies their mistake. I called several occasions and notified the latter so far nothing has changed on my credit reports. They then tell me now, I have to call the credit bureau myself directly and whoever gave me false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed several dispute against inaccurate collections data on my Transunion credit report they refuse to remove the inaccurate information and acknowledge the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX
Product: Checking or savings account

XX/XX/year>- Bank of America has sent harassing emails, phone calls and letters regarding 'urgent ' information required regarding my account.

They have also attempted such deliberate, constant and provoking actions towards my son whom shares a joint account.

I contacted them to ask what this was regarding, concerned it was fraudulent initially. 
when I called the number provided in the voicemail, the representative began asking very detailed and personal information, SSN, address, phone number, employment status, yearly income, etc. I told the person I am not sharing this information over the telephone, I will visit a Bank of America location to verify this is legitimate. I did so, and the bank confirmed it was 'necessary ', otherwise my account ( s ) were in danger of closure.

After confirming my contact details, employment status, were updated, they then stated that they needed an additional XXXX minutes to review additional information without revealing the details or nature of said information '. I stated I am not sharing any more information, it is a violation of privacy. The bank then froze and closed mine and my son 's accounts. He is unable to withdraw funds or transfer them to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XX/XX/2023 for the following amounts : {$120.00} {$160.00} {$120.00} These are medical debts under {$500.00} these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.
Product: Checking or savings account

On XX/XX/year> I initiated a claim with Bank of America for unauthorized charges to my checking acct. The representative split the claim up into XXXX separate claims, I requested a provisional credit and was told after 10 days if the claim was not resolved they would issue XXXX. On XX/XX/year> I faxed over a copy of my operative report showing I was in the XXXX  from XX/XX/year> thru XX/XX/year>, the police report I filed and a copy of the XXXX receipt showing I had to get a duplicate drivers license. On XX/XX/year> I received an internal msg in the app informing me that one of the claims had been denied. I called a spoke to a representative named XXXX who told me that the claim was eligible for credit but that it wouldn't be provided to me. I thought this was very discriminatory in nature and asked to speak to a XXXX, I then spoke to XXXX, who informed me that the information I had provided probably hadn't been received and the time the decision was made and said she would submit a request for the claim to be re-opened for re-consideration. On XX/XX/year> I received a provisional credit for one claim but not for the other. I sent a fax requesting the claim that had been denied be re-evaluated for re-consideration. I couldn't understand why the information I had sent was enough to provide a credit on one claim but not the others. On XX/XX/year> I received a visit from a XXXX XXXXXXXX informing me a person had been arrested and had my ID and my debit cards and my phone in his possession. He informed me that this person had multiple convictions for identity theft and fraud and at the time of his arrest had over XXXX ID 's and several bank cards. He showed me a picture of the person along with pictures of my cards. I informed him I had never seen the individual and confirmed that the ID and cards were mine. He told me if I wanted them back I would have to wait till the case was concluded and the evidence could be retrieved from the evidence room. He also informed that if they needed me to testify that I would be issued a supena via mail or email. On XX/XX/year> I called Bank of America claims, who still had the claim under review, and informed them of what the XXXX had told me. They said it was under review but would notate the account with the new information.
Product: Payday loan

On several occasions, I applied for payday loans to help myself out of temporary financial downfalls that I had experienced for several years. 

I paid off each payday loan, but these payday loan companies applied high fees, service charges and interest charges that they did not make me aware of in the first place. I think it was so they could just make the sale of the loan to me without informing me of the stipulations of those loans. This seems to be common practice among these unethical companies. 

In the end, with all of the payday loans I had applied for and paid off, I was scammed out of over {$800.00} in fees, service charges and interest charges that I should not have been responsible for because of their unethical business practices. 

Also, I think it would only be fair for me to receive additional money damages due to the harassment I received from each payday loan company and the subsequent XXXX I had experienced since they harassed myself and my family, threatened to put me in jail, cease my property and investments and garnish my wages. This additional amount can be to your discretion, but I feel that I should be entitled to at least {$20000.00} from all of the fear, intimidation and XXXX I had experienced. XXXX XXXX run in my family and this has all taken its toll on me.
Product: Prepaid card

Can not open and use app. Can not access records of transactions and see balances at all. No help with fixing app. Told app being updated. XXXX months of having to call just to check balances and request help. Password resets. Uninstalling app, reinstalling app. Shutting phone down, removing battery. Providing phone make, model IP address etc, trying to find sudden problem after 6 years of use of said app. Lies about app progress, fixing glitches, sending reports and information to IT team. No call back. Rude people on line who treat customers like idiots. Maybe we are for still trying to use this business? Never a supervisor available. Currently still online waiting for a supervisor who can just send me my money and close my account. Automated hold said XXXX minutes wait, already online with multiple customer service reps for XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

On XX/XX/2020 I had a hard hit in my credit from a source syncb/ppmc located XXXX Florida. I did not fill out for anything or require about anything to have this hit when I reached out to XXXX  they told me to contact the company when trying to contact the company they told me they have no records but yet this hit is in my credit report. And meaning I did not do anything to get this on here I would like to get it off and I am having no help getting that Im getting a run around from both companies.
Product: Debt collection

I had a debt collector contact me that wouldn't Identify herself that was trying to verify old addresses for over 7 years back. I had to argue with her for her to identify that she was trying to collect a debt from sprint. The debt is more than 5 years old but it brought my score recently down 75 points as if it was brand new. Is That legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Dispute having sufficient funds when transactions were authorized. I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

XX/XX/2023 XXXX took money and I didnt authorize removed my card from the acct informed XXXX XXXX filed bank and those debts were included yet they still took money from me
Product: Mortgage

Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.