23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Banking complaint XX/XX/2020 we got our monthly statement and I called B of A to see if we could get the rate of 24.24 % reduced and they said no. We had a real old cash advanced balance but when we made extra payments, it never got posted to this balance even if we asked it to. ( wrong ) other balances were charged at 10.99 %. So I mailed a check for the full balance of {$6600.00} on our statement. XX/XX/2020 we receive another statement and I expect the account to show closed. They didnt close it Nd they charge us again for so called residual interest. I called them again to see how do we get our account closed and why did you charge us interest on a zero balance account. The supervisor, XXXX was not helpful at all so I told him thank you and that I was reporting them. 
The bank closed and moved out of our area so we stopped banking with them, then I tried to get online banking so I can see the card activity and they denied us us of online banking. Now they are charging us interest on a XXXX balance credit card that we just want closed. Its Not right. They are taking advantage of consumers. Whats fair about them forcing us to leave their bank, charging on zero balances and having bad attitudes on the phone towards the customer. Shame on this big corporate bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
Product: Credit reporting or other personal consumer reports

Good day, few of my closed accounts that couldve called off my report still appear there because they last updated them when I close the account. 
Acount 1 was closed 2021 XX/XX/XXXX The 2 collection dates are different from all XXXX bureaus
Product: Debt collection

This is a follow up to The Navy Federal case that I have been trying to settle for several Years. The XXXX XXXX XXXX has added an additional XXXX in fees and interest after refusing to settle the case for XXXXXXXX XXXX. I also attempted to settle for the XXXX and I could not reach XXXX who made the offer after they brought a judgment to court. I never got a return call from XXXX. I only spoke to XXXX XXXX who stated they would never settle for XXXX. I brought a motion to court this month and spoke with the attorney and I am awaiting a settlement amount in writing that could bring this to a close. I hope they are reasonable. adding an additional XXXX is also a problem as no one reached out to me for a year and a half. They also began garnishment of my pay and will not give me any credit toward the settlement amount. I ask that the CFPB keep a record of this issue as I am sure this is common among XXXX XXXXXXXX XXXX I ask that I get credit for what I have paid them toward the settlement amount. I also ask that the judgement be vacated to allow me to move forward in mhy clearance adjudication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove it violated my rights Still XXXX refuse to pay me Experian not any better XXXX XXXX XXXX Lied so much said all kinds of XXXX protectionism that she should be fired Lies doesnt know what or how to do her job I wan XXXX associate to personal apologize for being a liar Violation of XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> my car was reported stolen to the XXXX police Department I provided them with the details of what happened. I gave them a statement. They gave me a case number. I provided that to Santander also wrote a complaint. I gave all the information from the police officers badge number, and the case number to And theyre still telling me that I still have to pay for this loan when my car got stolen and is not in my possession anymore. 

After me providing that information to them, they still were trying to contact me numerous times for me to pay for the loan, but I kept trying to tell them oh my car is not with me stolen and the police are still not able to find my car so why should I pay for a loan for a car that I dont have? They kept telling me XXXX XXXX, regardless of all of that youre still Financially responsible for it. The last phone call I had with the Santander representative. They were telling me oh well maam this is that in the third and theyre also telling me that oh if I proceed to cut off communications with them, then theyre gon na put it on my credit and theyre gon na keep making my credit go down. Then by email, I still kept getting notices that my account may soon be reviewed for repossession
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised. 
The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : Accounts : XXXX. DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. I have a payment due as of XX/XX/year> for the amount of {$5900.00}. I'm in the hospital a lot and not able to XXXX XXXX  so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] XXXX Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

XX/XX/XXXX I PAID OFF MY LOAN IN FULL XX/XX/XXXX CROSSCOUNTRY SENT A LETTER TELLING THEY HAD NOT COMPLETED THEIR INVESTIGATION OF THE ERRO IDENTIFIED IN THEIR CORRESPONDENCE. 
XXXX XXXX THE LENDER CROSSCOUNTRY SAID THEY SENT THE ESCROW REFUND FOR {$5700.00}, BUT I NEVER RECEIVED THE CHECK XX/XX/XXXX I SENT A FAX AS A REQUESTED BY CROSSCOUNTRY TO CHANGE MY MAIL ADDRESS, THEY SAID THEY HAD ANOTHER MAIL ADDRESS. 
XXXX XXXX I CALLED CUSTOMER SERVICE ( XXXX ) XXXX XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT A LETTER SAYING THAT THE INQUIRY HAS BEEN RESOLVED. BUT THAT WAS NO TRUE. 
XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT ANOTHER LETTER SAYING THAT THE INQUIRY WAS BY REVIEWING BY THE APPROPIATE AREA. 
XX/XX/XXXX I SENT A CERTIFIED LETTER TO REQUEST THE ESCROW REFUND FOR {$5700.00} XX/XX/XXXX CROSSCOUNTRY SENT A LETTER THAT SAID THE SAME THAT ITS LETTER IN XX/XX/XXXX. 
FINALLY, XX/XX/XXXX I RECEIVED A LETTER SAYING THAT ACCORDING THEIR RECORDS CHECK NUMBER XXXX, DATED XX/XX/XXXX, FOR ESCROW REFUND OF {$5700.00} WAS CASHED ON XX/XX/XXXX. AND THEY DIDN'T ATTACH ANY EVIDENCE IN THE LETTER. 
THAT IS NOT TRUE BECAUSE WE NEVER RECEIVED THAT CHECK, THE MAIL ADDRESS THEY HAD IN THEIR RECORDS WAS WRONG THEY SAID IN XX/XX/XXXX THAT WAS WHY THEY REQUESTED US TO SEND A FORMAT BY FAX TO CHANGE THE ADDRESS AND WE DID THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, and investigated the incident for several months without notifying consumers. They are now using this large identity theft incident to market their fraud alert program.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3-5 accounts that were late payments and are a part of my payment history. These incidents occurred in XXXX of XX/XX/2014. I researched this an found that it should be kept up to 3 years. please help
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX. I have {$430.00} in my account and there is not an option to request a check. Please help.
Product: Debt collection

Complaint Against Portfolio Recovery Associates ( PRA ) I am submitting this formal complaint regarding a debt Portfolio Recovery Associates ( PRA ) claims I owe. Despite multiple disputes and requests for documentation, they have refused to provide any verifiable proof or validation of this alleged debt. 

Request for Documentation I have explicitly requested PRAs Surety Bond and Forward Flow Agreementboth of which would validate their legal right to collect and report this debt. PRA has refused to provide these documents, offering no signed contract, billing statements from the original creditor, or any legitimate evidence tying me to this account. 

History of Disputes Multiple Disputes : I have disputed this debt with both PRA and the credit bureaus on multiple occasions.

Lack of Verification : Despite these efforts, PRA has not supplied any legitimate proof to verify the debt.

Continued Reporting PRA persists in reporting this unsubstantiated debt to the credit bureaus, causing harm to my credit profile. 

Potential Violations of FDCPA & FCRA FDCPA ( Fair Debt Collection Practices Act ) Under 15 U.S.C. 1692g, consumers may request written verification of a debt. PRA has not provided such verification, yet continues collection and reporting efforts.

FCRA ( Fair Credit Reporting Act ) Under 15 U.S.C. 1681i and 1681s-2, information on credit reports must be accurate and verifiable. If PRA can not validate the debt, it must be removed from my credit file.

PRAs refusal to provide legitimate verification and its ongoing reporting may constitute a violation of the FCRA. 

Harm Caused Credit Damage : My credit score and creditworthiness have been negatively impacted by this unverified and potentially fraudulent debt. 
Emotional/Financial Stress : I have experienced undue stress, potential loan denials, and higher interest rates as a result of these false entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX  2.XXXX  XXXX  3. XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
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 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 had violated my rights. 


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

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an 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, 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 reporting, credit repair services, or other personal consumer reports

Experian has failed to investigate various fraudulent accounts. Experian has not made me aware of the status or completion of the dispute initiated. This has happened over the past 2 months with more then one request to investigate the following inaccurate, and/or fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I have different but similar names reporting on my credit report. I also have an address I'm unfamiliar with. Along with an employer who I'm not familiar with. I have reached out to Transunion Intermediate Holdings , Inc . I have reached out to XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX. I have disputed these inaccuracies providing proof and they have yet to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to close any XXXX XXXX XXXX account on my file and they just keep reporting more late payments and adding money to the balance. I do not have any accounts with XXXX XXXXXXXX and they are destroying my credit! I need this company stopped and banned from inquiring or placing any more fraudulent information on each and all my credit files. Per the FCRA, I require immediate removal of these accounts from each of the credit bureaus and any other associates to remove all this information immediately. They are just making up remarks and reporting them whenever they see fit, and creating enormous problems for my finances.
Product: Debt collection

Over the past two days, Comenity Bank has called me 4 times within 60 seconds. They do not leave a message. On one instance, I had answered and told them to only contact me by mail - to which they then hung up on me. They have not respected my request. They are harassing me. The number that keeps calling me is XXXX.
Product: Credit card or prepaid card

They closed ALL  XXXX   Chase Cards   ( Business & Personal ), and I dont like that. I am a loyal customer who Charges & Pays in  full, About {$30.00}  Grand per Month. N ever lat e. Always Paid in Full. Unacceptable.