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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I applied for a car lease loan on XX/XX/2020. 
2 ) XXXX claims they received a score from Equifax of XXXX. They approved the loan. 
3 ) On XX/XX/XXXX I arrived to pick up car and they alleged that Equifax gave them a score of XXXX. The loan was modified. I suspected a scam. 
3 ) They claim they have the proof to confirm that the " XXXX '' is valid. It is hard to believe their claim because .... 
4 ) Data on my Equifax report does not support a 53-pt reduction in a span of 18 days. 
5 ) If anything, data reveals a reduction in debt, hence score would remain the same, at worst. 
6 ) I need to confirm that Equifax INDEED supplied a score of " XXXX '' to XXXX in order for me to consider a next step, legal or otherwise. Without this confirmation, I am unable to proceed in either direction. 
PLEASE HELP!!!! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

fXXXX XXXX XXXX reported an unauthorized inquiry to experian on XX/XX/2021. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to experian on XX/XX/2021. still no response.
Product: Checking or savings account

I contacted Bank of America upset that they transferred more than enough money from my overdraft account to my checking account to cover an unathorized charge ( I already handled the unathorized charge with the party charging ). I was told the alternative was not to have the overdraft kick in and have all charges rejected. I agreed that was best. Only then did XXXX advise me tha tthere is a {$35.00} charge when they reject a charge. I advised her I did not want that, keep it as it is. Then I recieved a letter in the mail that they had removed the overdraft protection and disconnected the accounts. When I called Bank of America upset this unathorized change was made by their employee they indicated they were unable to reverse what their employee had done as they no longer offer such a service. I advised them her changes to my account were not authorized once I learned of the implicaitons of that alternative and that her behavior was unathorized and therefore illegal. As a result, I intend to close my accounts with Bank of America as I can not trust their 'customer service ' with my accounts.
Product: Debt collection

I have an extra account under my credit from a company called MRSBPO that I've never associated with or paid. My credit score has gone down XXXX XXXX this month because of this company and many other people have said it's a scam company as well. I would just like to get this company removed from my account as soon as possible so no further damage is done to my credit.
Product: Debt collection

Have tried multiple times asking for proof of contract with company and also let them know that there was inaccurate information being reported. I was told that they could not remove it and that it will continue to damage my credit if it wasn't paid. I also let them know I have never done business with them and I have never given them permission to share my private information and they still refused to remove it.
Product: Debt collection

This is not my debt. They cant prove that the account belongs to me. Im victims of a scam due to identity theft.
Product: Debt collection

Text received : I am not in arrears to ANYONE!!! Ive worked really hard to get everything paid down and/or off & have gotten my credit score up into the high XXXX!!!!! 

Ive NEVER heard of this company. 

XXXX FNCBXXXX is a debt collector, please contact us regarding ref # XXXX. Visit XXXX or call XXXX. Reply STOP to stop.
Product: Debt collection

XX/XX/year> XXXX XXXX Call from this number asking me to verify information involving a personal matter. Asked for Name, Address and Social Security number. They refused to verify who they were or what their personal matters entailed. 

XX/XX/year> XXXX XXXX  XXXX Call from this number asking me to verify information again while they refuse to verify who they are XX/XX/year> Called demanding I verify information. They did not identify themselves even after I asked who they were. Just that this was a private matter and they needed to verify my info. I refused XX/XX/year> XXXX Call from this number asking me to verify information while they refuse to verify who they are. 
Caller hung up on me after I refused to verify any info I called back and spoke with a lady where I told them to cease and desist any calls and to put any issues in writing. Said she would remove my number. Refuse to verify who they were or what they were calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

I have been a member of American Express since XXXX, i turned XXXX and retired and I ask for a credit line increase XX/XX/XXXX on XXXX I was told to send bank statement which I did XX/XX/XXXX they have substantial deposits from retirements, ssi and investments. Still after all this time they still show it pending. I think it is due to my age and having retired. My credit is XXXX, owned my home over 24 years, pay off all credit cards monthly including theirs. I am no risk, just my age.
Product: Checking or savings account

on more than one occasion i have made deposits to my chase bank account, and the bank turned around and said the check i was depositing was a bad check. the first time it happened, it caused my account to get overdrawn and bounced payments for bills. when all was said and done, the original deposit which was around XXXX wound up being about XXXX XXXX less due to bank fees late fees overdraft fees etc. and in turn caused bills waiting to get paid to not get paid but rathjer to just overdraw my account. the check was a good check, and had they not made their error i would not have had these erroneous fees charged to my account. the most recent instance occured when i deposited a check just under XXXX the check i believe was for XXXX XXXX the bank said the check was no good and sent it back. the check was written to me from my dead mothers estate. my mother died a couple years ago in a nursing home due to negligence on the staff of the nursing home. the nursing home was found guilty of negligence and fined by the state of illinois. they also lost a lawsuit our family had against them for wrongful death pain and suffering and negligence. the check i had attempted to deposit was a check my sister had written to me from my mothers estate account. the attorneys had sent a certified check to my sister which she in turn deposited and the check she wrote me that i deposited, chase bank said was a bad check. i was then told by the bank that holds my mothers estate account that i would have to wait two weeks for another check to deposit. as you can imagine, this caused a flurry of more bank fees, more random charges, more illicit fees. and also a bank account if i deposited anything to would eat up money meant for bills to be absorbed by the bank for their fees. i have proof of both these checks and more instances where things have happened with my account where chase is literally stealing my money. hopefully you can offer some assistance in this matter as i am at my wits end.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and need to have them deleted. I have also attached accounts which all have errors and need to be deleted please also update my personal information
Product: Debt collection

I have contacted XXXX XXXX XXXX which in turn verified several times that this was not my account. The supervisor wrote several letters to Credit Control Corp. Credit Control Corp. was supposed to send the documentation to the Credit bureaus to have the account dismissed. I contacted the The Credit bureaus and submitted multiple disputes, only for it to continuously come back as my account- regardless of the documentation provided from the supervisor of the company. I am now filing A report with the FTC to have Credit control corp held accountable for ruining my credit for an account that they were aware of that I never owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXX XXXX on XXXX
Product: Debt collection

This company ( NCB ) is violating my rights with inaccurate information, and they have not provided me with accurate validation, yet they have placed a collection account on my consumer credit report information UNDER 12CFR 1006.34 ( b ) ( 5 ) yet ( NCB ) is violating my rights and I'm entitled to {$1000.00} for each violation I have listed, that can pay me {$1000.00} or DELETE this inaccurate account.
Product: Credit reporting or other personal consumer reports

A Charge off are considered a certificate of indebtedness, and it is considered income. INCOME can not be reported on a credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX 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 those customers nonpublic personal information.
Product: Credit reporting

I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT WAS " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX CREDITOR : XXXX ( TRANSWORLD SYSTEMS INC. ) BALANCED OWED : {$730.00}
Product: Credit card or prepaid card

XXXX refuses to remove the late fees associated with my non payment due to financial hardship from leaving a XXXX XXXX situation. When I got my taxes I paid my charges balance and interest in full. I've tried to contact them several times. It has been a very difficult and never ending stress trying to turn my credit report around
Product: Credit card or prepaid card

I received a letter in the mail from Chase bank stating that I did not receive a credit card when I had never applied for the credit card. The card was a Chase XXXX signature business credit card. I was looking for additional information to see if I can figure out where this application came from.
Product: Checking or savings account

On Friday, XX/XX/2022, I tried to access my People 's United account, which was to transition to M & T Bank over the weekend. I could not gain access. I decided to wait until Tuesday, after the three-day holiday weekend, to try. On Tuesday, XX/XX/XXXX, I did gain access to my account, now with M & T Bank, but the one account -- a guardianship account into which my son 's SSDI payment is deposited -- did not appear on the drop-down menu. This made it impossible for me to transfer his SSDI payment to the account from which all his bills are paid. I tried XXXX times before noon on XX/XX/XXXX to reach the bank, but only got a three-second message saying that the bank 's system was overwhelmed and they were unable to help me at this time. The phone then disconnected. 

When I tried again closer to noon, I received a different message from M & T asking for my 10-digit phone number so the bank could reach me in four hours -- the promised wait time. Close to XXXX XXXX  ( more than nine hours later ) I received a call from a telemarketing firm hired to call promised callbacks and apologize. That was it. Just an apology and a phone number to call in the morning. 

First thing Wednesday ( XX/XX/XXXX ) morning, I phoned and got the original three-second message and a disconnect. I tried two more times with the same result. At XXXX XXXX, XX/XX/XXXX I got a different message and was on hold for more than 30 minutes before I had to go to a meeting and hung up. 

I left a message, too, on the " Message '' option on M & T Bank 's webpage for my account on XX/XX/XXXX. As of XX/XX/2022, I have had no response. Finally, my husband went to our local bank branch on Thursday, XX/XX/XXXX, and made the transfer manually.
Product: Money transfer, virtual currency, or money service

I have been trying for 2 weeks to get my money from cash app. They say they need to verify my identity. I sent them my information 6 times now. They say it takes 1-2 days to verify me. And then they say they can't find my records and to send it in again, meanwhile there is record of our conversation and the status saying 1_2 days. Then they say 10 days. Then they say it's escalated. I just want my money.
Product: Debt collection

I've told them numerous times they have the wrong number. They call at LEAST 7 times a day ( sometimes 10-12 times a day ), every day from SO MANY different numbers. As soon as I block/report one number they call me from another. They call while I'm working, driving, sleeping, ect. They will NOT leave me alone and I'm getting in trouble for my phone non stop ringing while I'm with customers or in a meeting at work, while my kids are on the computer for school. THEY WONT STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information and the information of millions of Americans to be lost in a security breach. In addition to abusing the trust of the American people, they have sold stock before the information was released and are offering fraud protection in exchange for the right to sue them.
Product: Credit reporting or other personal consumer reports

Ive sent multiple letters to Transunion and XXXX regarding negative accounts on my profile. They arent responding. 

Acct. # : XXXX Furnisher Name : XXXX XXXX This is not my credit account. Can you verify if my name has been mixed up with someone other than me please and then erase this component from my credit file. 
Acct. # : XXXX Furnisher Name : XXXX Why did you overlook my letter last month? This is not my collection. Kindly check into and erase this component from my credit report. 
Acct. # : XXXX Furnisher Name : XXXX How can you ignore my letter the previous month? This can not be my collection tradeline. Respectfully examine and erase this item from my account. 
Acct. # : XXXX Furnisher Name : XXXX How can you avoid my dispute the previous month? This is not my collection account. Respectfully examine and eliminate this bit from my credit account. 
Acct. # : XXXX Furnisher Name : XXXX How could you ignore my dispute the previous month? This can not be my account. Please check into and expel this component from my file. 
Acct. # : XXXX Furnisher Name : XXXX How could you overlook my dispute last month? This is not my tradeline. Respectfully review and get rid of this bit from my credit record.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

consumenfinance.gov/complaqintWho concern : My name XXXX XXXX XXXX , through this letter I would like to complain about the abuse committed by banks On XXXX XXXX I fall behind in my mortgage payments for three months, send a check to cover these payments and returned telling me that since I They had made foreclosed and would have to pay extra {$5000.00} for costs and fees if he wanted to catch up. 
Visit many lawyers to save my home but they asked me {$3000.00} minimum to start my caseDesperate apply for bankruptcy for myself, as pro se, but without the legal experience dismissed me case, then apply for a second also in me dismissed. 
The XXXX XXXX XXXX who file the foreclosure transfer to the NATIONS STAR LLC. Three month after they filed. And On XXXX XXXX XXXX, they granted with summary judgment and schedule the sale for XXXX XXXX, because I not have served with a notice of hearing, then filed MOTION TO VACATE this judgment for the following:1.- ASSESMENT ERROR OF THE RECOVERY2.-The NATIONS MORTGAGE LLC. Was no the Holder of the indebtedness at the time it filed the suit. 
3.-The Defendant not was served with notice of hearing in the Summary JudgmentWherever the defendant come working with the plaintiff NATIONSSTAR LLC, since XXXX in LOSS Mitigations program and they ask for new paper each two month, the last notice XXXX/XXXX/XXXX they said that given advice not less 90 day and the paper was completed. 
For this reason the DEFEDANT, send MOTION TO CANCEL SHEDULE AND CONFIRMATION, but without of knowledge legal I do n't know what happen if the Court considered those Motions, although I have a certificate that the attorney general gave me to help my case for {$5000.00}, but no lawyer accepts this they ask for cash, the last lawyer I visited want to {$8000.00} for see my caseI do not really know where to go 'm an elderly person and I would stay in my house about everything I could do my loan payments if the Bank approved for loss mitigation program or refinance the arrears. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.