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

Equifax XXXX  & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXX You are reporting Purchased by another lender _ paid in full / was a charge off However Equifax & XXXX  DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
Equifax You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX . their is no modification inaccurate information. 
XXXX & XXXX Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate Equifax is showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$660.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never authorized these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from a law firm stating they are representing a debt collector in regards to a loan under my name with a court date to appear or file for judgement would be placed on my name. The letter was sent to us in XXXX and the first court date was in XX/XX/XXXX. It is showing of a loan amount of {$7000.00} that was placed back in XX/XX/XXXX. 

I went to the court hearing and claimed it was not mine. They changed it to a new date in order to gather information. When I tried to call the law company they were extremely rude and borderline pushy and harassing me over the phone when I was asking for information. I then proceeded to try and call the company they were representing and they refused to give me information unless I provided them with my debit card information and they were going to charge a fee to even look into the claimed account. I did not feel comfortable giving my debit card information to simply try and find out the source of this loan. 

The law firm representing them is Klima, Peter, and Daly. 
The Company in question is XXXX XXXX XXXX, which came from XXXX XXXXXXXX XXXX  which I have never even heard of or had a loan with them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is " updating '' information on my credit report, making it appear more negative and harder for me to obtain credit and productively live my life. I have been recently denied numerous times due to incorrect information on my credit report. I have asked repeatedly for verification of each account and to this date, I have not received any from Equifax. All I get is generic responses of " this item has been verified ''. Equifax has not shown any of the following accounts to be verified and truly owned by me : XXXX, ( XXXX ) XXXX XXXX ( sometimes listed as XXXX ), XXXX XXXX ( sometimes listed as XXXX XXXX XXXX ), XXXX/XXXX, and late payments from XXXX XXXX XXXX. These accounts have been removed and readded without my knowledge to my credit report more than a few times and I would like them deleted once and for all to never be readded.
Product: Debt collection

I have disputed this debt XXXX or more times through the company and the credit bureaus, they continue to insist that the debts are mine, and not identity theft. I don't have the money to pay for these debts that are the result of identity theft, I have blemishes on my credit reports because of their refusal to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX credit reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
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 u nder 15 USC 1681. 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: Checking or savings account

The consumer has been banking with JP Morgan Chase since XX/XX/XXXX. I few weeks ago the consumer received a text alert of an amount pending for {$2200.00}. The consumer contacted the customer service depart to inquire about the charge but was holding for significant amount of time. However, an agent answered and try to rectify the situation. Additionally, another charge of {$100.00} was not authorized by the consumer. However, Chase associates gave the entity XXXX the new debit card that was issued to the consumer around a few months back. When the consumer asked how the entity XXXX got ahold of the consumer new debit card credentials, the agent stated we do that all the time. That was a fictitious obligation which the consumer was not liable for. To make matters worse JP Morgan also participated in garnishment of the consumer account, then charged the consumer {$100.00} in violation of 15 usc 1692i. Chase is now acting as a debt collector by acting on behalf of an attorney who is in violation of 15 usc 1692e ( 3 ). Whereas the consumer did not consent to be sued by any attorney. There is no warrant of Attorney attached authorizing another to act on the grantors behalf. Whereas JP Morgan Chase has violated the FDCPA, and 15 usc 1673. Additionally, acting as a debt collector without any license from the State of Georgia to collect obligations of the United Sates. The alleged " debt '' from back in XXXX which has passed the statute of limitations. JP Morgan is complicit in divulging the consumer 's information in violation of the privacy Act. This action by chase has caused a detrimental effect on the consumer. The actions of Chase have prevented the consumer from acquiring a home due to adverse reporting which is illegal under 12 cfr 226.13 resolution 27. The court action was supposedly held without the consent of the consumer in violation of Rule 73a. JP Morgan Chase is using false and misleading business practices, by not giving the consumer full disclosure on opening an account with them ; they are operating with unclean hands. JP Morgan Chase is acting as designee for the consumer without full disclosure. At no point in time did the consumer agree to appoint any agent to act in a fiduciary representative manner for the consumer/ beneficiary of the account. This is a blatant breach of privacy whereas the social security number of the consumer was not redacted on the publicly accessible document.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, Please be reminded, No consent is identity theft : XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Please promptly remove this data within 4 business days under pursuant 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance
Product: Debt collection

When first contacted months ago I explained that I have no income, that I will represent myself in the court. 
I continue to receive calls. 
Phone calls continue. I declined to give personal information without knowing the identity of the person calling. 
I phone back several times only to be treated disrespectfully because of my severe hearing impairment. 
Next phone call I was placed on hold for one hour and twelve minute and finally gave up. 
I sent a letter dated XX/XX/2019 explaining the above and told them to stop phoning me and to only contact me by certified return receipt U.S. mail. 
KeyBridge XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Vehicle loan or lease

Hi Team, I was in the process of taking over a car lease from a seller, and as part of the process, I had to submit to a credit application check to BMW Financial Services earlier today. 

An hour ago, I received an email asking me to call the number ( XXXX ) and was informed that my application was denied, and no reasons were given. The only suggestion was to reapply again with a cosigner or ask for a refund of the credit application fee ( I had paid {$530.00} today ). Despite repeated requests, no explanations were given. Kindly note, my credit score is good ( XXXX ). 

I called back the company few minutes later ( XXXX ) and spoke to a different representative, who told me that the reason for my credit decline was that I am not a XXXX XXXX XXXX XXXX holder. I have been legally residing in the XXXX since XXXX and am currently on a XXXX XXXX XXXX ( valid until XXXX ). 

I explained the above, however the company refused to hear me out and stated that as I am not a XXXX XXXX XXXX XXXX holder, I can not be approved of the credit check. 

This is the first time I have been declined a service owing to my visa status. Request you to kindly look into this practice of discriminating against legal immigrants.
Product: Credit reporting or other personal consumer reports

These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my credit score. This INCORRECT late payment, and account information needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist denied my online application for a checking account based on hearsay form XXXX XXXX. I did not give Truist the right to obtain contact a third party to obtain alleged information about me. Truist violated the FDCPA and is liable for this violation of my privacy.
Product: Money transfer, virtual currency, or money service

I was using the Western Union mobile application to perform a money transfer from my US account to my personal account in the XXXX. 

This is not the first time that I am using the mobile application. I am fully aware of all the fees that are associated with sending money. 

For my last transaction, I was charged with a transfer fee that I am NOT expecting. The regular transaction fee for a money transfer using a DEBIT account is {$2.00}. I know that I chose the right option of using a DEBIT card however, I was surprised that they charged me {$37.00} instead. This transfer fee is for a CREDIT card transaction. I have been using the same DEBIT card with this transaction and all the other past transactions that I did in the past. 

I tried reaching to their customer support and was able to communicate with 2 agents - the first agent and a direct supervisor. Both of them have the lines that it was me who are choosing the options on the app. On their system, they see it as a credit card transaction. They are right, I am the one choosing and I am 999 % sure that I chose the DEBIT card option. They are implying that it is my fault. If it was an honest mistake, then I would not bother doing all these types of complains to win my case. I know that I did the right options. The customer support gave me a dead end and did not offer any resolution. They don't want to say it directly but they are implying that it is my fault. I am only complaining about their transfer fee which is solely on their end. I am not even complaining about the actual money that was moved. I am disputing an amount that is on them but they are not doing or offering anything about it.
Product: Mortgage

This is a duplicate of the complaint filed with the Controller of the Currency, Case No. XXXX, and transferred to your agency per XXXX letter dated XX/XX/XXXX. 
I have been having problems with the accounting for my mortgage loan starting in XX/XX/XXXX when the bank reanalyzed my escrow account. I received a letter dated XX/XX/XXXX advising me of my options going forward. I elected to pay in full the shortage of {$840.00} and made that electronic payment on XX/XX/XXXX, far earlier than the cut-off date of XX/XX/XXXX. About this time B of A changed its data processing system. I have been making the regular monthly payments early ( too early, in some cases, I was told ) and have also been making additional payments ranging from $ XXXX extra to be applied to principal during this time period. All payments have been made through my Chase on-line banking program, and copies of the transactions were sent to B of A. I have had multiple calls with various representatives, and visited the local branch in XXXX, WA on XX/XX/XXXX and met with the branch manager XXXX XXXX. At that time, he told me he had several customers who were having similar problems. He waited in a phone queue for approximately 45 minutes, then he had a speakerphone conversation with the representative and generated a service request XXXX. Nothing effective transpired. I have had repeated dunning letters and calls and e-mails, which in each case I followed up, explained the problem, and received effusive apologies from the representatives. This was repeated most recently about an hour ago, XXXX XXXX PST on XX/XX/XXXX, when I spoke with XXXX XXXX. She promised to escalate the problem once again. I have received a copy of the transaction ledger from B of A, and the transactions bear little similarity to my payment history as documented by XXXX. My most recent payment was due XX/XX/XXXX and is currently showing as overdue according to the bank 's on-line banking system, confirmed by an e-mail from B of A I received yesterday ( XX/XX/XXXX ) and the phone call message I received at XXXX XXXX last evening which generated my call to Ms. XXXX. The XX/XX/XXXX payment was originated on-line on XX/XX/XXXX and showed paid on XX/XX/XXXX. I made an additional payment to principal in the amount of {$3000.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX and is also showing paid. I have also sent on-line messages through the banks message center. I also sent a handwritten letter as an e-mail attachment to XXXX on XX/XX/XXXX. I have been diligent in responding to the Bank, but the problem persists, thus this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX
Product: Credit card or prepaid card

XX/XX/2023 ; Ive had this card for business purchases for over 20 years, Im self employed. CapitolOne randomly closed my account without any notice. I called them when I was declined on an auto debit, which is how I found out it was closed. I spoke to XXXX people including a supervisor. Both said they have nothing in the system as to why but I would get a letter in the mail in XXXX business days. This was 19 days ago and no letter yet. Closing a long time credit card impacts my score. I feel they closed my account since they arent making money on me since I pay in full before the 30 days. I earned points so I was an expense to them. However to just randomly close my card, without notice, when I have many auto debits that come out really messed me up! I ended up going to my Credit Union and opened another card which came pretty quickly. I dont want to se this happen to anyone else so Im reaching out.