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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint AGAIN to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 


XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Checking or savings account

On XX/XX/2022 I wrote a check to XXXX XXXX {$34.00} and mailed it. The XXXX XXXX check was stolen from the mail. It was then altered or washed obliterating the date the payee and my account number. I do have a copy of the original and the altered check. I discovered this had taken place on XX/XX/2022 when I went to the ATM to check my balance. It had been emptied. I immediately drove to my bank in XXXX, OH. I spoke with a teller who showed me the withdraw. The check was washed and written to a ( XXXX XXXX ) on XXXX in the amount of {$5800.00}. I made a complaint to the XXXX XXXX and I also went to the XXXX, OH police Department and filed a Police Report. On XX/XX/2022 I received a letter from Huntington Bank XXXX XXXX XXXX XXXX XXXX # XXXX. Appartently the Affidavit that Huntington filled out was incorrect. I then filled out a new affadivit and a Statement of Fraud this was on XX/XX/2022. I made copies of the police report, the altered check, the original check receipt, Statement of Fraud and Affidavit. I still have this all of this information. It will be day 60 tomorrow XX/XX/2022. I have not been notified of any information pertinent to this matter. I have not been reimbursed. I am still awaiting for Huntington Bank. Huntington Bank allowed this fraudulent check to be cashed out. I forgot to add the altered check was deposited remotely and the name on the reverse side is not ( XXXX XXXX ). I can not read the first name but the last name is XXXX. I am a retired person and on a fixed income. All I want is my money returned to me. I made an attempt to attach all the documents regarding this matter but, alas they will not upload. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLE CARD/GS BANK USA has reported my account as " late payment '' several times, one in XX/XX/XXXX, one in XX/XX/XXXX and one in XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 that states that I have the right to privacy. In 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. S1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to Wells Fargo. After running my credit report in XX/XX/XXXX the remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which Wells Fargo confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.
Product: Debt collection

I pulled my credit report last month ( XXXX ) and the following company was listed : Helvey & Associates This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
Product: Credit reporting or other personal consumer reports

In Equifax my mortage through XXXX mortage is showing closed. I still have my mortage never been late. I have reached out to Equifax and I have reached out to the mortage company. The mortage company said that they report to all 3 bureaus every month. It shows in the other 2 except for Equifax. Equifax havent shown me anything to why they have my account closed. I have asked for proper documentation several times and still nothing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumbeXXXX : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account # XXXX is showing as open when it shows on other credit reports as closed
Product: Credit reporting or other personal consumer reports

Equifax had a data breach where my information was stolen and now i have accounts, inquiries, unpaid debts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Product: Debt collection

The company PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has reported an account that's past due in the amount of {$1200.00} on my consumer report. I do not know this company, I have never done business with this company and have never had a signed contract with them.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, Account name : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

This problem is with Experian. For some reason the last update they have done on my information was on XX/XX/2021. This incorrect information is also being seen by my creditors when I try to obtain financing. I have contacted Experian many times over the past year to get this resolved. I have sent them information they requested every time I have called to verify identity, address, etc. Each time they tell me it is fixed and their website should reflect it within about 5 days. Nothing ever changes. When I call back they agree the problem has not been fixed and they ask me for more documentation. When I log into their website each month the information continues to show the information updated " as of XX/XX/2021 ''. I don't know how to fix this and would like help. This affects my credit access with creditors and I have tried so many times to work with Experian with no success. I have attached a screenshot of their website showing the " As of XX/XX/2021 '' date. Please call me at XXXX if you have any questions. By the way, I was told each time by Experian I would be sent a paper copy of my credit report and have never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX  : XX/XX/XXXX {$2000.00} 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

I told XXXX XXXX in XXXX XXXX to pick up car as I could not pay for it. Car was picked up in XX/XX/XXXX. I called XXXX in XX/XX/XXXX at the main office was told car was sold & I owed $ XXXX report shows in involuntary repossession & balance of & XXXX. Have disputed several times never changes. So where is car? How much was it sold for? How much do I owe. Never disclosed as per state repossession law. This a mismanaged Co.
Product: Student loan

Navient refused to enter me into a secound income driven repayment plan. They allowed the plan to lapse and then charged my account XXXX in fees that I did not owe. They apologized but refused to reverse the charges. I am forced to wait 30 days to enter into a new program in which Im forced to agree to pay them money I can not afford
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. XXXX and Experian both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for XXXX, which you can see linked to on the screenshot. And I mailed Experian at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to XXXX and Experion, and a complaint to the Consumer Financial Protection Bureau. 

XXXX and Experion 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting XXXX and Experion to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in about the credit bureau Experian. I have written in to the Agency on multiple occasions to have OLD personal information ( previous addresses and names that does not apply to me that is no longer associated or does not apply to me to be removed from my report. I have already submitted the current info that applies to me that need to appear on my credit file, but despite multiple request to correct it they continue to send update reports with the same information. As I have researched previously that only one name one address one employers should be listed on a report unless otherwise requested by the consumer. Please if you would investigate this matter and please have Experian to correct this matter as it is seriously and negatively impacting my credit profile and causing me to not be able get my credit corrected and cleared of negative items, therefore impacting my chances of obtaining the needed opportunity to obtain credit from vendors/ credit lenders and causing thousands of dollars in interest each year. Please help Your Regards XXXX XXXX XXXX
Product: Student loan

I had paid off my final loan ( XXXX unsubsidized ) on the old Mohela platform. 

My bank account ( XXXX XXXX  ) had processed the payment of {$4000.00} on XX/XX/year> Mohela then transferred my account to the new Mohela platform shortly after, however there is XXXX payment history for my account and they have no record of me paying off my final loan. The loan is still accruing interest on the Mohela Page. 

I had called a Mohela representative who could not exactly give me a time of when my account would be updated, however, they said a few weeks. It has been two months and my account has still not been updated, and now claims I owe {$4000.00}
Product: Credit reporting or other personal consumer reports

Remove these accounts because these companies use my information to put information oin my credit report that is not mine. 

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 have a collection amount with National Credit Systems in XXXX Georgia. I have written multiple letters and telephoned requesting a statement breaking down the debt, who its from, what is owed etc etc. They refuse to provide me that information.They have also lied to me over the telephone and told me they dont need to provide me any information regarding the debt and that they dont need to work out a payment arrangement.
Product: Checking or savings account

On Friday XX/XX/22 Bank of America froze my checking account and hid the money in my savings account. I called and spoke to the fraud department where I was informed that XXXXXXXX XXXX had filed a fraud claim against my account. We called XXXXXXXX XXXX and had the erroneous claim removed. XXXX XXXX told me that they had called and spoken to Bank of America and that it was to be removed and money returned to my account. I spent 4 hours on the phone, between Bank of America and XXXX, and was told that Bank of America was waiting for something in writing to come from XXXX. As of XXXX pm on Monday XX/XX/22 Bank of America still has not returned my money to my account. They have spoken to XXXX they know that this has been taken care of yet they are not reinstating my account. After telling me on Friday that it would be done within an hour of being notified by the other bank, I am still dealing with this. I have spent over XXXX hours on the phone today trying to get this situation fix. Someone needs to be held accountable when mistakes are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history. 

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

In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it XXXX later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX   XXXX TransUnion you name it i hired XXXX XXXX i called XXXX XXXX  a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to  48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way
Product: Credit card or prepaid card

some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Hello, my employer gave me an American Express gift card last XXXX, but I've been having trouble using it. It hasn't worked for online purchases, in-person stores, or even when trying to add it to my wallet on my phone. It always displays a message to contact the bank. Can we get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is notification to XXXX  and Equifax again, that I am a victim of identity theft. please see attached FTC and proper identification to support my claim
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims throughly and adequately. They informed my that recovering lost funds was impossible and that tracking these transactions were unfeasible once completed. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.