23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate the inaccuracies on my credit report. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure the maximum possible accuracy of the information in your credit report.

If they fail to do so, they can be held liable for negligence ( 15 U.S.C. 1681o ) or willful noncompliance ( 15 U.S.C. 1681n ).

15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information If you dispute any information, the CRA must reinvestigate within 30 days and delete or correct any inaccurate, incomplete, or unverifiable data.

15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers The creditors ( furnishers ) reporting information must provide only accurate and complete data to the CRAs. 

If they provide false or outdated information, they are in violation of the FCRA.
Product: Bank account or service

I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX HL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, ME XXXX Dear XXXX XXXX, Thank you for speaking to me regarding with my issue with the American Express Gift card process of solving my problem. Instead of writing a book I will simply state the facts as briefly as possible. 
I received an E-mail from XXXX XXXX that they charged my account with a fictitious charge of about {$450.00}. 
I called the telephone number in the e-mail to get this corrected. The man who answered said it was a mistake on the part of XXXX XXXX and that they would correct it and add an extra {$50.00}, for my trouble. 
The man on the telephone had me input the correction amount of {$450.00}. In my computer and told me that I input the wrong amount. 
He then showed me my bank account that reflected a deposit of {$5000.00}. Then he had me withdraw the {$5000.00}. and said to buy 10 - {$500.00}. Gift cards. I only purchased 4 cards, read him the numbers, then I stopped at the police station and informed that I had been scammed good. Th man called me to see how I was making out when I was speaking with the officer so I let him answer the phone. It was a short conversation. 
I called American Express within a couple of hours to stop the payment on the four gift cards but two had already been cashed and American Express had prevented the payment on the other two cards. 
I immediately called American Express and they refused to speak with me because I was not the vendor. 
The supervisor at XXXX on XXXX XXXX ( XXXX ) tried her best and called me for my name and mailing address because she was told that they were going to send me some new gift cards. It Never happened. 
I called American Express in XXXX and spoke with customer service for a good half hour. She was no help and said that it was against company policy to refund money or to issue new cards and that there was nothing she could do. I told her that I wanted to speak to her supervisor and she reluctantly told me she would but it would take a few minutes. After two to three minutes, I heard the phone ring. After another five minutes of listening, I put the phone down on my desk and listened to it ring another forty five minutes. 
I was only looking to be reimbursed for the two cards that American Express canceled. The two that were cashed are on me. I am the one that got scammed. 
I did not expect to get scammed by American Express as well and neither did I expect to get treated the way I did by the American express supervisor. I always thought well of American Express, and I am very disappointed. I think that customer service is not in that supervisors vocabulary, and he probably does not realize what his attitude can cost your Company. 
Since American Express cancelled the last two cards they should either refund me the money or issue new cards as they initially intended. 
Thank you for listening. 
God Bless You. 
XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Mortgage

I applied for a home loan with quicken loans ( end of XX/XX/XXXX ) I disclosed there was a foreclosure in the initial questionnaire. I was told I was approved for an FHA loan. They put me in contact with a realtor and I started looking at homes. I found a home that I put an offer on, paid {$400.00} for the appraisal and {$320.00} for the inspection. I was still looking as the real estate market is rather low right now. I was speaking to another lender and disclosed the foreclosure to her and she looked up my credit report and said I would not be able to even start looking for a home until XX/XX/XXXX. When I called quicken loans they assured me that everything was going good and our closing date had been moved up to XX/XX/XXXX. I then began asking how this was possible when I was just told by another lender it was n't possible until XX/XX/XXXX. Then they started fumbling around and changing their words. My wife called and spoke to a XXXX XXXX Representative who " investigated '' the situation. My wife asked her how this was not their fault for allowing us to move forward and pay out {$400.00} for the appraisal and {$320.00} for the inspection. We were lucky enough to save the earnest money of {$3500.00} that was also paid out. If I had not spoke to another lender I would have also lost that. We would have never found out until underwriting which would have been too late to save anything ( if they would have caught it ) The Loan Specialist I was working with seemed over whelmed and over loaded as he could not keep his accounts straight, he asked myself and my wife multiple times regarding the car loans we currently have and only asked 1-2 times regarding the foreclosure. I feel that they are at fault and need to pay us back this money. If they had not given us a false approval we would have never paid out the money we paid. I feel that I was taken advantage of and even a bit violated by what they have put us through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX regarding the inquires.
Product: Credit card or prepaid card

This account is transferred/sold. There should be no late payments on this account.
Product: Debt collection

On a number of occasions I have mailed and disputed XXXX XXXXXXXX XXXX. Along with LVNV Funding LLC and all three credit bureaus of identity theft. Both companies refusing to permanently remove the account off of my credit reports. Due to COVID-19 XXXX police department are not receiving reports for non criminal activity. I was told to file a complaint with FTC which I did and there after mailed all three credit bureaus a copy. I also mailed LVNV Funding a letter today XXXX-20 the report number to my FTC report because I am not able to copy and print as today. I have not lived XXXX XXXX XXXX XXXX wi XXXX. I live in XXXX TX.
Product: Debt collection

I received a copy of my credit report and noticed I have an fraudulent account.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that wasused to verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible.Thank You
Product: Credit reporting or other personal consumer reports

I tried disputing these accounts with the credit reporting agencies and the creditors but did not get satisfactory results. I have no knowledge of these accounts and have requested they be removed from my credit report. Section 605B ( a ) of the FCRA requires consumer reporting agencies ( CRAs ) to block this information within four business days of receiving proof of the victim 's identity and a copy of an identity theft report. CRAs and credit furnishers are also required to help victims restore their credit history. As a victim of identity theft, I am requesting the consumer reporting agencies to block the accounts listed in both identity theft reports and remove them completely from my credit reports within XXXX business days of receiving this complaint.
Product: Debt collection

in accordance with the fair credit reporting act XXXX XXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXX XXXX XXXX # XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency instructions
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES 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 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. 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

On XX/XX/24, I applied for a credit card account at Alliant and they illegally discriminated against and denied me, effectively breaching their fiduciary duty to act in my best interest. My credit score was XXXX, and is now a XXXX. 

They are also violating multiple TILA and USC guidelines : 15 USC 1611 15 USC 1602 15 USC 1691e 12 USC 1431 Request for Documentation : Additionally, I request documentation of all books of account, both private and public, to demonstrate who received the benefit of the inquiry into my credit report. The inquiry from thier institution signals that a transaction has been completed on my credit account, from which I did not receive any benefit. 

I am entitled to clarity on who benefited from the inquiry on my consumer report from your institution, and peacefully demand that I receive all portions of that benefit due to me I also request a listing of all factors that were involved in this consumer transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  of XXXX, all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with XXXX  funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Product: Mortgage

I filed a complaint before and the company responded with information that was incorrect. They stated that my loan was 100 days late in XXXX. This is incorrect. They also stated they sent letters stating my payments were not accepted, this is incorrect. No letters were received and the money was deducted from my account. This information the mortgage company is sending in is incorrect. There last company received XXXX payments in XXXX and did not send it over to them and now can not account for one of the payments while I continued to send payments. The date of XX/XX/XXXX they claim they filed for foreclosure they had {$14000.00} of checks which was enough to bring my account current. I started requesting this company apply my funds which they were holding since XX/XX/XXXX.
Product: Credit card or prepaid card

I noticed that there were 3 separate charges on my credit card account of which I did not make. All three charges were to the same place XXXX gas. The first charge was for {$490.00} ad the second charge was for {$490.00}. I contacted the card company immediately to dispute the transactions of which they advised that the card was not present for the purchases and that they would look into it. 

Since the charges have posted to my account and will be charged on my statement that will potentially be reported to my credit report showing a higher usage than i have actually used. I contacted the card company again of which i have yet to receive a resolution.
Product: Debt collection

Last Thursday I got a call from my XXXX County clerks office say that they got a fraud complaint against me and Im being sued but If I call this number XXXX or XXXX I can maybe stop the process. The company I called is called National Management Recovery Corp. They told me I owe Plain Green LLC {$3600.00} and I was being sued and they are going to put me down as a fraud. I was scared so I ask them if I pay them {$100.00} to stop the process and if they would sent me a receipt and sent me by email that they own the debt. They havent sent me anything I almost feel like I got scammed.
Product: Credit card or prepaid card

This is re : Synchrony Bank/Banana Republic. 

Back in XX/XX/2018, I should have had about $ XXXX {$90.00} in rewards dollars in my account, but figured it was a glitch. I started dialogue with Synchrony/Banana Republic in XX/XX/2018 when I discovered that those dollars were gone and I didn't use them. Since then, I have been trying, via using the message feature within my account and phone calls, to try to get this problem solved. I was told that this resulted from a glitch in their system, yet I am constantly told they are " researching my issue ''. 

I have been pursuing the reinstatement of lost rewards ( which is actually well over original amount now since I have made additional purchases. The company might say they have sent me replacement certificates ( back in XX/XX/2018 ) for the rewards dollars, but the links never worked and they are aware of the links not working. 

I have kept a very detailed summary ( timeline ) of this issue, which I am more than happy to share. I am not going to link it right now, but will if it's deemed as something that will be useful. 

I am at the point where I believe that my issue has not been handled properly and that it's best to move to the next step. Thank you.
Product: Mortgage

On XX/XX/year> my home was damaged and deemed unlivable due to tornado damage. My insurance company has released {$140000.00} to Freedom Mortgage to start the repair process. As of today, XX/XX/year> I have only received {$3300.00} to pay my contractor. Between my contractor and myself we have reached out well over 30 times in the last few months trying to get money released. We have supplied every single document possible, adjuster reports, supply lists, needed payments to cover supplies and labor. Since this tornado myself and XXXX children have been displaced and we have had to move 4 times. This is taking it's toll financially and emotionally on all of us. I'm paying for a home that is far from being repaired, and I'm also paying for a rental. My latest attempt to get money released started XX/XX/XXXX when I supplied the supply list they requested after another angry call to them. I was assured the check would be expedited so I could pay the contractor. Weeks have gone by now, it's XX/XX/XXXX, and still no check from Freedom Mortgage. They have absolutely no concern for the hardship they are causing their customers with beyond slow processing times. It should not take a month to receive money for repairs to a home they have a loan on. Since the start of this process the home has suffered additional damages due to repairs not being able to be made. They have almost maxed out my insurance policy coverage due to their actions, or lack there of. Over 3 months now and I still don't have a roof on my house, so each time it rains, water comes in. The supervisors are no better than the customer service call center, none of them care or make an attempt to move things along. The first inspection I requested in an attempt to get funds released was supposed to be scheduled within 3 to 5 business days. Several calls in to notify them I still hadn't heard from anyone. I kept getting told they had left voicemails, which was false. It took a month to get an inspector out to my home. Insurance has a time frame that the home must be repaired within, at this rate, there's no way this will be possible.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 
Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
Account name XXXXXXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests and complaints with Consumer Financial Protection Bureau are continually labeled duplicate or the " buck is passed '' back and forth. XXXX  XXXX XXXX XXXX refuses to send copy of credit report used for loan # XXXX and tells me to request the credit reports from the CRA 's and visa versa. What is another government agency that I can complain to since I am refused copy of the credit report used for a loan that I have sworn is fraud?
Product: Debt collection

I have made several attempts to request valid debt validation via certified mail with Portfolio Recovery & Associates to no avail. It has remained on my credit negatively for quite some time. XXXX  has removed for lack of validity, but the other 2 bureaus ( if you can ever talk to anyone ) refuse to remove this collection. Why would one bureau remove and not the others? I decided to just make a settlement ( all I can Afford in the covid pandemic ) because Recovering economically from covid is going to be hard enough with good credit. My offer was laughed at.