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

XX/XX/XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting

XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit card

XXXX XXXX and I reported a set of fraudulent charges on our BofA credit card to both BofA fraud division, and to XXXX, the merchant who allowed these fraudulent charges to occur through multiple vendors on their site. Initially, BofA agreed and removed the XXXX charges totalling {$1300.00}. We asked BofA to obtain documentation on where these items were shipped to and delivered - name and addresses. We never ordered nor received any of these items. We have had XXXX follow-up XXXX XXXX between XX/XX/year> and XX/XX/year> with the BofA fraud division. Each time they assure us they will get the requested documentation from XXXX. Each time, XXXX XXXX continues to reject our claim without producing the requested documentation. We have also been unable to get this documentation from XXXX, despite several requests. We have a spreadsheet detailing the transactions which are below in document upload. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, Equifax and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, Equifax and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Product: Vehicle loan or lease

Upon receiving Military orders to XXXX XXXX, XXXX, Credit Acceptance said they do not allow the transfer of vehicles out of the country. I provided the orders and the vehicle was surrendered under these circumstances. While in XXXX, i was alerted by my security manager that my vehicle had been stolen. I contacted Credit Acceptance and learned that the vehicle was stolen from XXXX XXXX XXXX not me. Credit Acceptance continued indicating late payments on my credit report while the vehicle was stolen from there care and not mine. I addressed this issue with the company and was assured they would fix this. Over a year later, I go to purchase a home for my family and this is hindering me from moving forward. They insisted I fill out a dispute form and return. I refused due to this being an ongoing issue. My next step is this and then a lawyer seeing there are now damages. I will attempt to have this rectified through this agency.
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to LACK OF RESPONSE from TRANSWORLD SYSTEMS
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have autopay set up on my account with XXXX XXXX credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my XXXX XXXX credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay XXXX XXXX. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my chase account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me
Product: Credit reporting or other personal consumer reports

its been 6 months asking for the Credit Reporting companies to update my credit report and remove all charged off accounts that's been on my credit for 7 yrs or more based off the missed payment.. They are reporting balances on charge off accounts as well. 
FCRA - 15 1681-2-Repondsibilites of furnishers of information Charge off accounts stays on credit history for seven years from the date of the delinquency that led to the charge off. 
I have sent letters and more letters to get this information updates they are refusing to remove as well as to send documents from the last late payment.
Product: Debt collection

XX/XX/XXXX I went into agreement with Ray Skillman Northeast Buick Gmc with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to XXXX XXXX XXXX via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while Ray Skillman Northeast Buick GMC failed to clearly & conspicuously disclose my right to recscind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS GETTING THIS ERROR CORRECTED ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my wrritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent out a certified letter to XXXX   XXXX which was received by them on XX/XX/ regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. XXXX XXXXXXXX sent me a report bt mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position. They even have the spelling of my middle name wrong.
Product: Bank account or service

In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX XXXXXXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXXXXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. I've tried for years to get it to remove. I finally got them to agree to remove it. 


Please help me get this off my credit report. 

XXXX  Transunion XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue over 30 days ago, but have received no reply, nor have I been provided with adequate validation. I request your help in addressing this matter swiftly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
Product: Credit reporting or other personal consumer reports

All XXXX bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all XXXX bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX to XXXX XXXX Mail, XXXX, Transunion, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am Transunion XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX Transunion Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my XXXX dispute and removed the fraudulent XXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, XXXX XXXX XXXX XXXX, and Transunion Consumer Solutions, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.
Product: Checking or savings account

on XX/XX/XXXX at XXXX while i was eating at a restaurant there were 5 transactions from a website by the name of XXXX totaling the amount of {$960.00}. I have used this site in the past for 1 transaction but after that never again. I have contacted chime support over and over with disputes and rebuttals with no help from them. I have submitted transaction proof that i was at a restaurant when these transactions took place along with conversations from the merchant stating that my account was banned due to suspicious activity. Please I just want my money back I have been without almost {$1000.00} for a month. Please help thank you
Product: Credit reporting or other personal consumer reports

I WAS HAVING DIFFICULTIES ACCESSING MY CREDIT REPORT SO I CONTACTED CUSTOMER SERVICE. I WAS ABLE TO GAIN ACCESS TO MY REPORTS WHEN I REALIZED THERE WERE FRAUDULENT ACCOUNTS AND PERSONAL INFORMATION BEING REPORTED. I WAS TOLD BY THE REPRESENTATIVE THAT I NEED TO SEND IN MY REPORT AND PROOF OF IDENTITY. THERE WAS ALSO XXXX DIFFERENT SOCIAL SECURITY NUMBERS REPORTING AND ADDRESSES. THE ACCOUNT WAS REMOVED AFTER DISPUTING IT THEN IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR XXXX XXXX XXXX.