23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is incorrectly reporting account XXXX  XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

XXXX  needs to promptly return reporting and status to CURRENT/ Never Late. 

I am attaching all email correspondence from XXXX XXXX XXXX Bank from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, Experian, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Product: Debt collection

I was looking at my credit report and noticed a account that has been reported by RMP Services to credit reporting agencies. I am unaware of any agreement or contract with RMP Services and have no knowledge of the debt in question. 

According to my credit report dated [ Date ], RMP Services has reported a debt without properly notifying me of its existence or providing me with an opportunity to dispute it. This lack of notification and opportunity to dispute violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, RMP Services has failed to : - Provide me with written notification of the debt 's existence prior to reporting it to credit reporting agencies. 
- Notify me of my right to dispute the debt within 30 days of receiving a collection notice, as required by the FDCPA. 
- Notify me at least 5 days before reporting the debt to credit reporting agencies, as required by the FDCPA. 

Furthermore, I have never entered into any agreement or contract with RMP Services, nor have I received any communication from your company regarding this alleged debt prior to its appearance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being used in a manner that destroys good character, livelihood, and the community. My credit score and background has been conspired to insure that my career never takes off and because of the allotted misuse of my information this is one in the series of steps taken to provide this incident never happens to me again.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. The following items should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX  XXXX Balance : {$9900.00}.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of the Exeter Finance LLC account ( Account # XXXX ) under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This account is listed as charged off and closed, yet it continues to be updated with a balance of {$30000.00} as of XX/XX/year>. This constitutes willful misrepresentation and fraudulent reporting in violation of federal law. 
Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, under 15 U.S.C. 1681b ( f ), unauthorized or deceptive reporting of a debt that has been legally written off is an impermissible use of my consumer report. Since Exeter Finance LLC has charged off the account and written off {$27000.00}, it can not lawfully update a balance as if the debt remains actively due. This is an attempt to manipulate my creditworthiness and constitutes continued collection activity on a discharged debt.

Furthermore, 26 U.S.C. 6050P requires a 1099-C form for cancellation of debt, which I have not received. If the debt was truly charged off, Exeter Finance LLC must cease all further reporting. If not, this is a violation of FCRA and FDCPA provisions prohibiting deceptive trade practices.

I demand the immediate deletion of this account from my credit file. Failure to correct this fraudulent reporting may result in legal action under 15 U.S.C. 1681n for willful noncompliance. Please complete this investigation within 30 days and provide written confirmation of your actions.
Product: Checking or savings account

Beginning on Thursday, XXXX XXXX at XXXX. I noticed that my check deposit from my employer XXXX XXXX was not in my checking and savings account ( I split funds between both accounts ) as it typically has been for the past seven years. Usually, because I get paid early on Thursdays bi-weekly and certainly on my normal pay day which is Friday bi-weekly, I became worried. I process all of my bills to be deducted from my checking and savings on Friday ( payday ). I never received my deposit on Thursday, so I called Capital One Bank to see if there was an issue. Apparently, they had an outage issue and no one had access to their deposited funds from their employer and as of now, many people still dont. I was told, they did not have a timetable of when this outage would be resolved. I then waited until Friday, XXXX XXXX to check my account and still no deposited funds. All of my bills now have been rejected and Ive accrued a {$190.00} overdraft fee from capital one on XXXX XXXX and a {$200.00} ACH return because my employer check hadnt been posted by Captial One on XXXX XXXX. Also, my Captial One Credit Card payment of {$400.00} had been returned because my check that was surely supposed to be in my account on Friday morning XXXX XXXX was no where to be found. Finally, at XXXX Friday, XXXX I received my held deposit and at that time Captial one had returned all of my ACH bill transactions although it was THEIR FAULT. I then call them on XXXX XXXXXXXX XXXX after being on hold for over an hour requested that they cover my return check fee of {$70.00} and my over draft fee of {$190.00} ( that I had to pay for ). They told me that they couldnt because I didnt have funds available. Well, I find it unacceptable that I didnt have funds available because they were HOLDING onto my deposit. When this entire debacle was happening, Captial One ASSURED their impacted costumers that they would be handling all return check fees and overdraft fees. Mid-conversation, Captial one representative hung up on me and I have sense not been able to contact anyone after being on hold for hours.
Product: Checking or savings account

Complaint about the US Bank Security/Identity Verification checking procedures. 
I live in SC. Someone went into a US Bank in XXXX, IA. This person only had a drivers license ( which was not original ) and the last XXXX digit of my savings account #. They did not have their phone with them or their bank card. So with only a drivers license ( which the license was ran through a scanner at the bank which verified the licensed ) ( which was a fraud license ) the person was able to withdraw over {$31000.00} out of my savings account. Only one form of ID was obtained, ( out of state drivers license ) and only had 4 digit of an account #. 
The person got {$7400.00} in cash and had the bank do 3 cashier checks with the other XXXX monies and walked out the door.
Product: Debt collection

On XX/XX/2024 I received a phone call from phone number XXXX, the guy failed to say his name, but had to make sure he said the call was being recorded 2 times. The guy then went directly into that i owe money and didnt give me a chance to speak. When calling consumers to collect a debt, a consumer debt collector like this guy, is REQUIRED to read the mini XXXX for a debt collection. That was not done. He failed to verify any information. To start off, i was contacted months ago ( dont have the exact date, but i can locate it if needed ) and i had informed CBE Group to only contact me via mail.

Violations # 1. Failed comply with my communication method, went against my only to be contacted by mail, and then only called my work line, zero attempts made to my personal cell phone, direct call to my office line, again months AFTER i said to not call me phone.

# 2. Failed to read the mini-miranda, which is required to be read upon the initial contact to collect a debt.

# 3. Failure to provide proof of debt or verify i am who they need to speak with.

# 4. Manager of call center REFUSED to provide attorney information once i informed him of the violations. He hung up one me instead of addressing anything. 


***I have the call recorded as well, and plan to file suit against each violation if this matter is not resolved immediately.
Product: Debt collection

This company first contracted me a year ago then determined the debt was fraud and sent back to the company they represented. Now they are trying once again to collect this fraudulent debt. Ive already complained to the XXXX XXXX XXXX  again and I am now filing this report here. I have never been to Arizona and I live in Illinois. Apparently they have a new person who cant read a file correctly. I explained that I am not the right person and that I have fraud alerts in all three credit bureaus going back to 2015. They are attempting to collect a debt from somebody who use my name and is currently in prison in Arizona. I want it somehow made a permanent part of the record they have that I am not the right person and they need to understand I will not pay somebody elses debt. I am handicapped in a wheelchair and never leave Illinois. They need to stop harassing me. I am also going to contact her attorney and see if I can sue them for this harassment and mental anguish.
Product: Mortgage

I have already filed a complaint with Mr. Cooper regarding our escrow account and asking it to be removed, which I believe is causing more problems for me. I received a letter in the mail saying our loan is under default because of our supplemental property tax payment. We paid our supplemental property tax installments together. We received a letter from Mr. Cooper saying we need to pay XXXX to XXXX XXXX or they will add the supplemental taxes to our escrow account. I called the county regarding this issue of XXXX cents, first they said they did not see any payment needed, then she said our loan company already knows we do not need to pay and that the county does not even send a bill if it is below {$9.00}, because there technically is no payment needed. The lady said multiple times that our loan company knows this information and should not be threatening anything. Again, I am asking for our escrow account to be removed, I do not appreciate the retaliation. They are saying we can not remove escrow because of lender placed insurance, which was not needed because I called multiple times saying I was getting it and was told I needed to submit it before the payment was issued on XX/XX/XXXX. I sent it before that. This experience with escrow has been ridiculous.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. While this account was removed from other credit bureaus it is still showing and updating on yours.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this.

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.
Product: Credit reporting

I recently applied for employment with XXXX XXXX in XXXX XXXX, Texas. As part of the application process I submitted to a background investigation. I was later notified that my investigation results had me ineligible for employment by XXXX and that the decision was based on information outlined in the report conducted by Sterling XXXX. The report contains information of a firearm conviction for a XXXX, by comparison my name is XXXX. I have never used an alias, but Sterling XXXX saw fit to utilize aliases using variations of my name and submitted these findings to my prospective employer. I was later notified and informed that my offer of employment had been withdrawn as a result of this erroneous information. To clarify this matter I acquired XXXX separate background investigations, XXXX from the XXXX Bureau of Investigation and the other from the XXXX Sheriffs Department. Neither of these reports contained the lengthy and misleading info found in Sterling XXXX report. I fully believe that the erroneous information regarding firearms convictions resuted in my loss of employment opportunities that would have led to management opportunities with the largest employer in the country.
Product: Credit card

Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back
Product: Checking or savings account

Wells Fargo closed my account on 2013 without justification and kept all the money I had in it. They caused me inconvenience pain and suffering since I was hospitalized next day without any money to spend.
Product: Credit reporting or other personal consumer reports

I was working with XXXX Volkswagen to purchase a new vehicle. I was waiting for the vehicle to be imported. My intent to purchase changed and I no longer needed a vehicle. The dealership pulled my credit on XX/XX/XXXX without getting authorization. 

I emailed the dealer several times over the course of the year, called and left 2 voicemails, and did not get a response. 

Today I called VW credit to dispute it and report the error and they told me I needed to contact the credit bureaus with a letter to dispute it. 

They should not have been able to pull my credit in the first place.
Product: Credit card

This relates to a Lowe 's ( hardware store ) card, billed by Synchrony. 

Prior experience has taught me that this company sometimes sends the bill so late that even if you pay the day the bill arrives, you will be charged a late fee. In a previous instance they did refund the wrongly-charged fee. 

So on XXXX XXXX I noticed that the usual bill had not arrived, and went online to see if there was a bill this month. The online log-in said they were discontinuing mailing bills and switching to online bills. So I tried to check for the bill online. Their website said online statement not currently available, but that I owed payment by XXXX XXXX. I have not received any bill for this period by email, by mail, or by any other method, but for my logging on in suspicion. 

Then Lowe 's sends an email " confirming my preference '' for online billing. 

I paid the bill on time using billpay, and my bank says the payment will arrive on XXXX XXXX, so I should not be charged this time. 

Please require Lowe's/Synchrony to send credit card billing early enough that customers can pay on time and avoid late charges.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A more detailed description is provided in the supporting documents but the core issue is that a Former Bank of America employee XXXX XXXX assisted a former business partner of ours, XXXX XXXX XXXX, in taking my name off of the company ( XXXX XXXX XXXX ) bank account and replacing it with only XXXX XXXX. This was done without my knowledge or authorization, as Bank of America 's own policy states, but simply with a new set of forms and the words 'supersede ' at the top. After XXXX was given sole access ( which was never approved by the managing members ), XXXX proceeded to funnel over $ XXXX of our and other people 's money before anyone caught on. When I went into the Bank of America branch where I opened the account, I was told that I have no account there, and therefore, no information could be disclosed to me. In complete shock, I found the rep who helped me open the account, and he investigated as much as he could, ultimately telling me that an unauthorized switch took place but that I should speak with a lawyer or file a complaint. We didn't have success with finding the right attorney, and I was repeatedly dismissed by Bank of America when trying to resolve directly with them. I filed a complaint with the XXXX, which went in circles as B of A kept giving them push back and the same illegitimate reasoning ( attached ). Being taken off of your own account and having your money disappear is not something I can just look past. XXXX has a pending felony charge against him for another financial crime he committed, also involving theft and forging of documents, and XXXX County District Court is making him pay restitution or go to jail. We believe this to be equal, if not worse, of a fraud and crime and something that the Bank and regulatory bodies should be able to help resolve without going to law enforcement.