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

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

I recently checked my TransUnion credit report and discovered 5 inquiries that were unauthorized. Many of them seem to be duplicates. I reached out to both the account holders and TransUnion. The creditors claim to have no information of the additional inquiries and TransUnion refuses to review the accounts/inquiries for accuracy. I have contacted TransUnion 4 times with regard to this matter with not satisfaction. I feel these inaccurately reporting inquiries are harming my credit report and my chances of getting additional credit in the future. I would ask that your agency investigate TransUnion for unfair and illegal reporting practices.
Product: Credit card or prepaid card

I received two notices from Bank of America saying my applications for the XXXX XXXX XXXX XXXX card and the XXXX XXXX XXXX XXXX card were denied. I did not apply for either of these cards.
Product: Money transfer, virtual currency, or money service

As of XX/XX/2022 between the hours XXXX XXXX and XXXX XXXX, I was contacted by a person who disguised himself as my first sergeant, named XXXX  XXXX XXXX. This person informed me that I was paid incorrectly, specifically a lower amount than what I should have been paid during my recent training at basic training for the XXXX. This person then instructed me to forward via XXXX my past three paychecks in order to assist him in repaying me the proper compensation. In all honesty, I was reluctant to believing this person. So then I forwarded four payments to the XXXX user, named XXXX XXXX, as instructed by XXXX XXXX XXXX. The payments I sent are in chronological order, beginning with the earliest to the latest payments : {$300.00} ; {$540.00} ; {$870.00} ; {$280.00}. After XXXX XXXX XXXX verbalized over the phone that the payments were successfully transferred via XXXX, he hung up. I tried contacting his phone number multiple times and could not get through the line with him. I then contacted Chase to cancel these XXXX payments, which I was then informed by Chase that they can not assist because I authorized the transaction via XXXX. However, I was mislead, and now I lost the above amounts without any assistance despite me being evidently scammed. I believe this is unfair, and I am deeply scarred and financially threatened. I request assistance on this matter.
Product: Credit card or prepaid card

I was contacted by Bank of America who I have a credit card with, with suspicious activities on XX/XX/XXXX, while I was sleeping at my home. I informed them I have the credit card with me and it was in my wallet. I let them know I am not the one who purchased on XX/XX/XXXX and I am not trying to make any purchases in that particular store. I let them know I am not in that part of the area that the purchases were made. 
Initially I was issued a credit for the charges made on XX/XX/XXXX, but latter I was informed I will be responsible for the charges. The bank is not helping to resolve the issue, is not doing the investigation on their end before they ask me to pay this amount, which is {$2800.00}. 
I need help on this matter. I have contacted all the credit reporting agencies to inform my identity has been stolen. 

Below is the message I received on the date I informed them it was not me. 

Bank of America Cash Rewards Visa Signat ending in XXXX XXXX XXXX, We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 
Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX XXXX # XXXX for {$2900.00} on XX/XX/XXXX Approved transaction at XXXX XXXX # XXXX for {$2800.00} on XX/XX/XXXX I have been also contacted by CHASE that a credit card has been opened in my name and charges were tried on it. after they investigated I was sent a letter that it was not my charges and the account has been determined it was not mine. 
I have also included the documents to show I have contacted the credit reporting agencies.
Product: Checking or savings account

Capital one has not deposited my funds since XX/XX/XXXX and its almost the XXXX. I can login to my account and view everything but no deposits coming in. I need my money to pay bills!!!!!!!!!!!!!
Product: Credit card

I 've had a credit card with Bank of America for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of bank of America since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Bank of America truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe.
Product: Money transfer, virtual currency, or money service

Hello, I am writing in addition to closed claim # XXXX - since then I have received a number of calls ID 'd as Bank of America XXXX It is there official XXXX number calling me repeatedly and not leaving any messages. Today on XXXX  I called BofA and spoke to two associates. The first told me that although my account had been closed last summer due to my trust in Bank of America, that it was still fraud. I spoke to some one in the fraud department who claimed he'd let the appropriate staff know my deep concern. I stated to the associate that it was a crying shame that the bank itself is unable to get a handle on spoofed/fraudulant calls, avoiding their responsibility in protecting their consumers. I am still out of {$3400.00} that was STOLEN via XXXX  by an imposter posing as a Bank of America associate. The bank blamed me instead of securing their product, making it safe for their costumers to use. It is disgusting that the bank continues to do nothing when it comes to bank scams. It should be THEIR responsibility to protect their numbers from being spoofed. I would love my money to be refunded by Bank of America, the damages done by their lack of accountability has impacted my life significantly. I could USE THE MONEY I EARNED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXX/XX/XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : AXXXX Account Number:5XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account Number:XXXX-Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX  records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TranasUnions inaction violates federal law and my rights as a consumer.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : 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

Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. 
Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. 
{$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.
Product: Student loan

I had all XXXX XXXX loans, approximately {$120000.00}. In XXXX I applied for borrowers defense due to issues at XXXX XXXX. during Covid, my loans were in forbearance, but at the end of XXXX I was offered a great interest rate through Laurel Road to refinance and XXXX  loan payments were going to restart XX/XX/XXXX. At that time, Laurel Road did not disclose that I would lose all federal benefits, including borrowers defense. earlier this year, my application for borrowers defense was approved, XXXX years later. If I would have kept the federal loans and the higher interest rate, I would not owe anything at this time. However, I currently owe {$84000.00} through Laurel Road XXXX, and they are stating, they are not willing to work with me on this issue since I waived all of those rights. I feel like I was taking advantage of, and didnt realize I would lose those rights. They also have failed to provide me any documentation stating they informed me of such.
Product: Payday loan, title loan, or personal loan

Was approved for a {$300.00} loan And since XXXX 2020 I have been charged {$80.00} every two weeks I have since then paid {$1000.00} to this company I have documentation showing how one week it will say a certain amount and will go up {$20.00} {$40.00} and they say that I still Im not close to paying off the loan I refuse to keep paying this company it is unfair to be charge like this after I feel like I have paid the principal for this loan well over the amount
Product: Mortgage

We put our loan with Primelending on a biweekly pay in order to pay off our loan faster. While on the phone they told our payment would be processed when received. It has not been. They then sent us supporting paperwork telling us that the half payments would be held and not applied. We called today once we noticed this and they said they hold the payments till they have a full payment. They said that them holding our half payments would make no difference in paying off our loan faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, XXXX, and Experian credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 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 ( i ) 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.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( XXXX, Experian, and XXXX ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/2024. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/2024 2. Any relevant documentation or correspondence related to this complaint