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

XXXX XXXX XXXX XXXXXXXX ... 
Accounts with missed payments View all accounts XXXX XXXX XXXX XXXX XXXX XXXX 1 Missed Currently 30 days past due Overview You're currently using 129 % of your account 's limit. 
Balance {$380.00} Credit limit {$300.00} Minimum monthly payment {$46.00} Opened XX/XX/2018 ( 4 mos )
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy said I bounced a check and owed money. I haven't bounced a check in over 30 years and my bank has an anti-bounce feature on my account in case I ever did make financial mistake. I called Certegy and disputed their claim. They sent me Dispute paperwork that asked for all sorts of very private information : social security number, bank account and routing number, etc. I showed this all to the Customer Service at my bank and they told me to ask for a copy of the check that Certegy said I bounced. I called Certegy and told them this and they said they would send the check. It never came but Certegy went on to send another letter demanding payment. I have attached complete documentation of all of this as it will make the matter perfectly clear. I see the Federal Trade Commission has numerous complaints against Certegy- I tried making my complaint there but it seemed their system wanted me to complain here. Please help. Thanks and best wishes, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX XXXX XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX a negative remark on my credit report Equifax Refuse to remove the account. I never had that bankruptcy and I inform them of that but they refuse to listen. XXXX and XXXX removed it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters XXXX and TransUnion credit reporting. 

The Credit bureaus stated Account XXXX : XXXX XXXX Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

I did not authorize this company to run a credit check.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One Auto ) : OLDER DERAGETORY EVENTS : XXXX is reporting XX/XX/XXXX, XX/XX/XXXX as 30 days late. 

XXXX is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX isn't reporting and 30 day late payments. 

This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/year>2021 I sent numerous letters and called each credit bureau to remove all the hard inquiries, auto loans, repossessions, collections and student loans from my account because I did not apply for any new credit and was a victim of a credit breach that leaked my social security number to the dark web. XXXX, Equifax or XXXX did not properly investigate these items and kept them on my credit illegally. I have sent numerous letters and have contacted each credit bureau and they have been unwilling to help. I have even called the creditors and they verified that they did not report those items and informed me to call each bureau to get it corrected.

These bureaus have illegally placed negative items on my credit report and have sense hindered me from having a high score and purchasing a new home.
Product: Checking or savings account

I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand in person visit to trust bank. 
I have problems in XXXX XXXX. 
Lost my bank summary statements to suntrust bank in XXXX XXXX XXXX through XXXX. 
2. I lost my wallet and all contents.
Product: Checking or savings account

On XX/XX/year> at exactly XXXXXXXX XXXX XXXXXXXX, I went to a Chase ATM to deposit {$1000.00} USD for my Rent like I always have for the past 4 years. The ATM machine prompted me to insert my cash after I input my details. The ATM Machine then proceeded to take my neat and straightened Bills and freeze with my deposit still inside of it. After waiting for approximately 3 Minutes, the ATM began counting the bills and gave me a red error message saying the deposit didnt go through. The ATM printed a receipt prompting me to call Chase to confirm my deposit of {$1000.00} USD went through. I called Chase and they began their investigation. 5 days later I called again and they said to me that the money wasnt found. I asked how can that be possible when Camera footage exists, they denied my claim but offered to look into it again. After reopening and investigating for another additional day, they had denied my claim and insist the money doesnt exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

creidt card was on my credit report thats not mine when i called the company to discuss this with them they had address that i have lived sence i was XXXX a bad cell phone number and landline attched to an address that i lived at durring the time that this account was opened
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach, which resulted in my identity being stolen and used to create a fraudulent account. I disputed this account through XXXX and submitted the required documentation, including an FTC Identity Theft Report. While the credit bureau removed the account linked to the collection account, they have failed to remove the collection account itself. Despite both accounts being disputed simultaneously using the same FTC report, XXXX is now claiming the report does not meet the criteria to remove the collection account. Furthermore, the dispute has remained open for over XXXX  days without any documentation from the creditor verifying the account 's accuracy. XXXX has even reopened the dispute beyond the XXXX day period, still with no communication from the creditor. Also, without the removal of the account. As a consumer, I have the right to request the removal of this account after the dispute was opened for XXXX  days with no validation of the debt from the creditor.
Product: Mortgage

I have send various requests to the Mortage company I have requested a forbearance and also a modifcation. Both were not sent to the Bank and dis not get a response. I want to negociate to keep my home I have gotten no resolutions. I was provided with three resoluitons 1 ) pay up 2 ) Quick Sale 3 ) title in lieu 40 moving amount All were not properly explained.
Product: Debt collection

Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.
Product: Checking or savings account

Subject : Unauthorized Fees and Lack of Statements for XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Bank of America, and I believe your assistance is needed to address this issue. 

Upon opening the XXXX with Bank of America, I was not informed of any associated fees. It has come to my attention that my account has been charged unauthorized fees without prior notice, and I find this unacceptable. As a consumer, I believe it is my right to be informed about any fees associated with my account, and I expected transparency in this regard. 

Furthermore, I have not received any regular statements or notifications regarding my HSA activity. Access to timely and accurate information is crucial for me to manage my finances effectively and make informed decisions about my account. I have attempted to resolve this matter directly with Bank of America without success, and I now turn to the Consumer Financial Protection Bureau for assistance. 

I kindly request your intervention to ensure the following : An investigation into the unauthorized fees deducted from my XXXX account. 
Assistance in obtaining a clear breakdown of any fees charged to my XXXX. 
Guidance on how to rectify this situation and prevent such issues from occurring in the future. 
Ensuring that consumers are provided with transparent information about associated fees. 
I appreciate your attention to consumer rights and protection, and I trust that your intervention will help resolve this matter amicably. Thank you for your prompt assistance, and I look forward to a resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXXXXXX XXXX  credit card account # XXXX XXXX XXXX XXXXXXXX, which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a 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 consent. 

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

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ). 

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities XXXX constitute a violation of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

I received a statement from McCarthy, Burgess & Wolf in XXXX of XXXX stating I owed for a quarterly pest service from a company for XXXX. I paid the amount due shown on that statement directly to the pest control company on XXXX, XXXX XXXX. Then, in on XX/XX/XXXX I received a phone call from McCarthy, Burgess & Wolf stating I owed {$89.00}. I explained to them that I had already paid this amount directly to the pest control company and informed them that the statement they sent in XX/XX/XXXX stated I owed the amount paid. That is when they proceeded to tell me I still owed more money and that just because the statement in XX/XX/XXXX showed that amount, that doesn't mean that's all I owed on the debt. I then requested tha they send me proof that I owed this amount. I received a letter on XX/XX/XXXX from McCarthy, Burgess & Wolf stating that the pest control company charged me for quarterly service that would have been for XXXX. I emailed customer service at McCarthy , Burgess & Wolf on XX/XX/XXXX and explained my account was cancelled with XXXX XXXX XXXX in XXXX of XXXX and that I do not owe for the additional quarterly service. I received no response. I then followed up again on XX/XX/XXXX requesting an update to no avail. Then today, on XX/XX/XXXX, I receive another call from McCarthy, Burgess & Wolf, the same representative, arguing with me stating I owe for this service and I have on choice but to pay. I explained to him several times that what they were trying to charge me for was quarterly service. I only received service in XXXX of XXXX. 
I explained I had no problem paying {$29.00} for XXXX, but I was not paying for XXXX and XXXX due to not receiving service. He then proceeded to tell me I had no choice and it was my fault that services were cancelled due to non payment and that I at least owe the company that much. At that point, I ended the call and send another dispute to another email address given to me by the representative who stated early on in the call today that they never received my dispute. They still have not responded to my dispute in writing.
Product: Mortgage

I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, XXXX told me that their were unable to help me with this and I have to reach out to Equifax, Equifax said I should fill out this ftc report for the dispute to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted numerous complaints about TransUnion reporting a bankruptcy on my credit report. On their website, they state that they verify the information thru XXXX XXXX. I obtain a copy of my credit report from XXXX XXXX and there isn't any such information. Im writing the CFPB so that they will intervene because no proof have been provided. Transunion sends out a written statement stating that the info has been verified without any written proof. PLEASE provide the necessary proof so that I can investigate the company that is providing inaccurate information. On XX/XX/XXXX, the CFPB sent me a letter indicating that I'm paying for credit repair services. I AM NOT. Everyday, I research information on how to dispute inaccurate info. I would like for Transunion to be honest and stop reporting inaccurate info.
Product: Debt collection

I have been receiving repeated calls ( 7-10x a day ) from this company. I asked them to stop calling but they continue to harass me. On XX/XX/XXXX, I received notification that there is a debt on my credit report. When I go to check the collection, it says that I opened an account in XXXX for over {$13000.00} and that there was recent activity in XXXX. I have never spoke to these people, nor have I received any opportunities to dispute this debt. I feel that my rights have been violated as I have not even been presented with documentation of when this debt was created and Im certain that I did not create new debt in XXXX outside of the purchase of my home. I am asking that this be deleted from all of my credit reports.
Product: Debt collection

I received calls from Allied Interstate ( 3rd Party Agency out of the country ) XXXX times per day regarding an outstanding debt I do owe for XXXX. On XX/XX/2016 I received a call from this company so I returned there call the next day on XX/XX/2016 at XXXX AM discussed my account with the representative advised I could not pay anything today we ended the call. At XXXX XX/XX/2016 received a call from the same company wanting to discuss my account. I advised the rep I had already talked to someone this morning on this cell phone about my account. I advised to not call my cell number XXXX more time today. As it is against the law to make contact with me 2 times in XXXX day on the same account. As of today they have not called back.
Product: Credit reporting

no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on