23daVinci/CFPB_Complaints huggingface dataset:
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, Regional 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  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 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: Credit card or prepaid card

The card was charged when I placed an order on a fraudulent website. During the purchase the merchant refused to ship my order unless I spent more money. I didnt want to buy anything else and said cancel my order. The merchant refused and then sent me a fake XXXX XXXX tracking number saying he has already started the process to deliver. I repeated told them to cancel, that the number was fake, refund my money as this was clearly a scam. I notified my credit card company. I sent the messages between myself and the merchant three times to Usaa. I made numerous calls with no follow up from them. They declined my dispute saying I never followed up. I called them XX/XX/XXXX, I was told they did receive my documents to prove my case but I need to send again. I called twice this day, resent the information. Today, XXXX my dispute is listed as declined due to never receiving documentation. Now Im expected to pay the stolen money for an item I never got and the merchant had no intention on sending
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Checking or savings account

O

n XX/XX/XXXX, I applied and was approved for Bank of America Business Fundamentals Checking Account. The offer attached to that account entitled : Receive a sign up bonus of {$200.00} when you open a new eligible small business checking account ( Business Advantage or Fundamentals ) with Bank of America and complete the following requirements : Make at least {$1000.00} in Qualifying Deposits into that new business checking account within sixty ( 60 ) days of account opening. On XX/XX/XXXX a deposit of {$1000.00} posted to this account. Few days later, Bank of America closed my account and sent me a check for the outstanding balance, they never disclosed the reason for closing my account. On XX/XX/XXXX, Bank of America sent me a letter stating the following : According to our records, the business checking account you opene
d online as part of our recent bonus offer, where you could earn {$200.00} is now closed. As a result, your account does n't qualify for this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.SXXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX  XXXX has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband
Product: Debt collection

RE : LVNV FUNDING XXXX I recently reviewed my credit report and saw that your office has placed a collection account on my credit report. On XXXX XXXX I mailed LVNV FUNDING A certified letter requesting court worth evidence regarding this allege debt all you did was send me statements of the credit card which is not court worthy evidence. I demand that you send me the PURCHASE AGREEMENT, Forward Flow Agreement, Chain of custody and your license to collect in my state know this account is in violation of my FCRA rights and 15 U.S.C 1692g and it is also an FDCPA violation I am planning to take legal action against your company for failing to send me court worthy evidence regarding this collection placed on my credit reports! DO NOT SEND STATEMENTS! If you are not able to provide me the purchase agreement, Forward flow agreement, chain of custody and your license to collect in my state then I demand you remove this collection from XXXX, XXXX, And XXXX! Failure to validate this account or not removing it from my consumer report will result in a law suit against LVNV FUNDING! 

The account in question is- LVNV FUNDING XXXX Please send me evidence that this account is mine along with the purchase agreement. I will not accept a copy of a bill as evidence. I am asking you to send me COURT worthy evidence that this allege debt is mine such as a contract bearing my signature. Monthly statements Will not be a form of validating a debt so please dont bother on sending another set of monthly statements. 



In absence of a signature, the debt you claim I owe is invalid. If you are unable to provide me with proof that this allege debt belongs to me I am requesting that you immediately EXPUNGE this account from my credit report on all XXXX bureaus. 



I know that you know the laws and theres no need for me to quote what my attorney consulted with me on consumer law, because I already know you will do or have done your due diligence and uphold the XXXX regulations set out for you in the FDCPA and FCRA and you will be deleting this account, but I also wanted you to know that I know my rights and will be carefully recording correspondence sent to you should I need to seek legal relief.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). On   XX/XX/XXXX  be cause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all  XXXX  credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX   and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There w as no explanation on how or why my credit was pulled this time either. I had n't even been into  XXXX   XXXX  office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed  My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX  and on  XX/XX/XXXX  w ithout authorization or consent.     2.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX . B oth without authorization or consent.     3.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on     XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.     4.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX  Without authorization or consent.       5.  Certified Credit rpdt  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted  on  XX/XX/XXXX . Both without authorization or consent.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, the company stated I had no change in my accounts, however, my credit score went up over XXXX points in the last XXXX  days from XXXX to XXXX at this company. If there have been no changes to my account, my credit score should be the same. However, when I made my first complaint this credit increase occurred. Was this an omission of guilt on biased practices or discrimination policies by correcting my Credit Score. I'm expecting my credit score to stay the same or higher... If my score goes down, you will be here from my legal team. 
Also, I didn't receive any ( not one ) of the correspondence that I requested in the last complaint. 

All of this is grounds for removal by law. 


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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a letter to Experian asking them to provide the method of verification for the alleged bankruptcy that is currently showing on the report. they replied stating the bankrupty was verified by XXXX XXXX I recieved a letter from XXXX XXXX stating that they dont have any records of a Bankruptcy. Then Experian stated they received it from the Courts in DC I received a letter from the courts stating they do not provide infomration to the credit bureaus. I have explined this all to Experian and have yet to hear anything from them in reference to the letters I have sent and the acccuracy of my credit report. I would like for Experian to delete the inaccuracy bankruptcy that they have showing on my credit report as it is a violation for the credit bureaus to have inaccurate information on my report.
Product: Debt collection

I called Best Buy XX/XX/2019. I told them I wanted to pay off my balance and settle my account so it could be erased from my credit report. I also tried calling them 2 weeks before and talked to another representative and they told me that I could not make a payment or make a settlement offer they said that my account was in statue of limitation. I am needing to pay that off and try to get this settled so that it does not show on my credit report since I am trying to buy a house. I hope you all can help me with this company. I love Best Buy I just wish they would be helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to monitor my credit since Equifax makes it impossible for me to do so. Things have been added to my credit report and I have not been able to review or dispute this information since they have my profile locked. They are also reporting lots of incorrect personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Last four of social XXXX I am writing to bring to your immediate attention that the data on my consumer report is the result of identity theft. I did not authorize the inclusion of the transactions and identification data currently reflected on my report, nor did I consent to these erroneous entries. Under the Fair Credit Reporting Act, 15 U.S.C 1681c-2, I am requesting that this fraudulent information be blocked and permanently deleted from my consumer report within the four day period mandated by law. This request is based on accurate information and it is neither made in error nor involves any misrepresentation of the facts concerning these transactions. 
Please delete account XXXX  with account number XXXX Please remove the inquires XXXXXXXX XXXX dated XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Debt collection

I received multiple phone calls and emails indicating this will show up on my report for collections if I don't pay it off now since then they increased the amount, and it keeps increasing I want this removed asap from my credit report.
Product: Credit card or prepaid card

I signed up for a TD cash card. The offer I signed up for was spend {$500.00} get {$200.00} back. I have not received the bonus despite meeting the spend requirement. I have reached out to TD bank and they said they are not able to service my request and did not explain why I have not received the bonus.
Product: Other financial service

My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXY Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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: Student loan

I consolidated my students loans through the government, I selected the 30 year repayment for a fixed interest rate. Late last year, FedLoan Servicing, increased my payment by more than {$50.00} because they said they audited my account and determined I would n't pay it off in the 30 year time window. After multiple phone calls with FedLoan Servicing, they said I could n't do anything, I had to pay the new, increased amount. If I wanted it lowered, I would have to change my payment plan to a standard one ( with no guarantee of the interest rate not changing ) but there was no guarantee the payment would go down. They offered no other options, it was pay it or go in default. How can they raise the payment if it was a fixed payment amount for the entire life of the loan? I was sending extra money each month and they were n't applying it to the principal, as I requested, so the interest was only being altered and not by much. I worry that my payment will go up again in a year or two and already it is incredibly high at {$770.00} per month.
Product: Debt collection

I had several Data Breaches through Capital One, XXXX, XXXX, And XXXX  that I know of so Far. I just found out by pulling my credit and saw my score dropped over XXXX Point 's. I requested information also through Capital one and they never sent me any notification which was court ordered as well as they raised credit limits without letting me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

Oh boy, where do I begin. 

So to start this whole nightmare off, my account was frozen for literally no reason for over a week. I could not access my money at all. Transfers were not working and online it said my account was suspended. No suspicious activity or any reason why that would have to be done.

Then I spend OVER 3 HOURS on the phone with them being transferred between departments and gaslit by one employee saying there was nothing wrong with my account and there's nothing he could do. I push him to talk to someone else because I know he's lying to my face. Well, the next person I talked to says my account is suspended but doesn't know why but I can get transferred yet again. I was on hold for hours and then what do you know, the line magically dies! I also tried to reach out on XXXX to get a response and nothing. 

I was forced to file a CFPB complaint after it became clear I wasn't going to be able to get my money. Never in my wildest dreams did I think I would have to fight this hard and lose hours and hours of my life trying to wrestle my money back from a shady bank.

I was finally contacted by someone now that I filed a complaint. By then I had figured out I could get money out of my account by making a credit card payment. I looked in my account, saw I had MORE than one of my credit card bills and paid it. It worked and I thought this whole mess was over.

I was wrong.

I get a message from my credit card company saying the payment was ACH reversed and I'm being charged a fee because of it. Now hang on... I had the money so why would they do this?

I go into Citizens and they're now saying I have insufficient funds which is NOT TRUE. 

Even if it was, they would need to refund the money which they have reversed for no reason. It shows a credit of the amount refunded, but is not reflected in my balance. Flash back a week in the future and it's still not there. This is scary, but I figure it's a bug. If you've ever used this garbage app, you know they're quite common.

So I paid an even lower amount and it is ACH refunded again. I'll now be charged {$60.00} worth of fees and AM STILL MISSING OVER {$400.00}. 

Since then I've emailed the chairperson from my last complaint to absolutely no response. It's been over a week. I am livid to be blatantly robbed by a bank.