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

My credit report was reporting 120 days late to an account with a XXXX balance. This account has had a XXXX balance over 3 years. I submitted a dispute. It now is reporting XX/XX/2022 thru XXXX XXXX 180 days late in error as well contacted credit card company Comenity and they could not see any balance and was unsure why this was appearing this way. They told me to dispute it with the credit Bureau in which I did and it went from reporting 120 days late to 180 days late 7 times. Thus is severely affecting my ability to receive credit and my ability to purchase a home.
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 XXXX Last reported XX/XX/year> {$730.00}, Account name : XXXX XXXX XXXX Last reported XX/XX/year> {$1100.00}, 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 lead to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Frontier Airlines delayed XXXX XXXX  or more on XX/XX/XXXX for the XXXX XXXX ( below ) flight, and they are not providing the refund while asserting falsely that I cancelled my flight. I indicated this matter to Barclays Credit Card, but they did not have a complete investigation but they are charging my credit account stading on the side of Frontier Airlines after providing me a temporary credit. Even though it was non-refundable ticket, the frontier airlines should have allowed a partial refund to my credit card or give a flight voucher to fly on the future fligh since it was their flight operation fault, not by weather or natural disaster. It was the return trip that they delayed for more than XXXX hours, and I already agreed to pay one-way trip. 

They also have this commitment to the passengers : Alternatively, if your flight is canceled or delayed in excess of XXXX hours, we'll provide you, upon request, a full refund of any unused portion of your ticket. 

FRONTIER SCHEDULE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Take-off XX/XX/XXXX, XXXX Landing XX/XX/XXXX, XXXX Flight duration XXXX XXXX XXXX XXXX  Confirmation Code : XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Passengers XXXX XXXX XXXX DEPARTING FLIGHT Flight Details Flight : XXXX Departure : XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  Arrival : XXXX, FL ( XXXX ) - XX/XX/XXXX XXXX XXXX {$190.00} Purchase Date : XX/XX/XXXX Payment : XXXX XXXX | Exp. Date : XX/XX/XXXX XXXX 'S CHARGES AFTER TEMPORARY CREDIT FRONTIER XX/XX/XXXX {$96.00} XXXX XXXX  Miles XXXX XX/XX/XXXX {$48.00} XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Creditors and Credit Agencies shared information on my consumer report regarding time of payments which is a FCRA VIOLATION OF USC 15 CODE 1666 and 1666b also they've violated USC 15 CODE 1681b Permissible Purpose as I did not give anyone consent to share my information therefore both the creditor and credit agencies are committing identity theft I am asking for assistance in assuring the creditors and credit agencies are in compliance with the above FCRA LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this information with the company, only thing that was updated is the historical account information. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX balance is not correct. The correct balance should be : {$58000.00}.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX  I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware ( 2018 account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You TransUnion are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness. 
Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXX XXXX XXXXXXXX XXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from home visions saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX  and XXXX.
Product: Debt collection

Sometime in XXXX or XXXX this derogatory remark of this company appeared on my credit showing that I owe XXXX from a company name Hunter Warfield and creditor name XXXXXXXX XXXX XXXX 
I tried to dispute this over and over again for the last few years but nothing was ever done XXXX XXXX XXXX. 
I called this creditor on XX/XX/XXXX to address the issue and what to do about getting this off my credit report. They instructed me to file a police report and notarized affidavit along with 2 forms of I.D . 
This is not my debt and a fraud attempt someone has used in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as Experian and XXXX  on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.
Product: Credit card or prepaid card

XX/XX/2021 I ordered a 'Built-in '' " Natural Gas '' grill from AAFES and used their Military Star credit card for the purchase. I specifically ordered the built-n and natural gas version of a XXXX XXXX XXXX XXXX. When I went to install the grill it was a " Roll-in '' and " LP '' grill. I called to have the grill replaced with what I ordered however AAFES was out of stock and could not find a replacement for me. I provided all the details they asked me for and I sent the pictures they requested. I was promised a phone call in a few days when they arranged a carrier to pick up my grill. 

Beginning the last week of XX/XX/2021 I had to call AAFEs every 3- 4 days through the 1st week of XX/XX/2021 ( 7-weeks ) and every phone call followed the same format. 1. ) They would review the previous notes and apologize that they never completed the return process. 2. ) They would put me on hold for long periods of time to discuss it with management. 3. ) They would get back on the phone or management would get on the phone and assure me and promise me that they would arrange for a carrier to pick it up and call me with that information. They never called me with the information and this process would repeat over and over. 

I offered to take the grill to the exchange at XXXX XXXX, XXXX, NC for them. Once I was told they would look into it and the 2nd time I was callously told to call XXXX XXXX exchange myself to arrange this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024 and noticed Experian is reporting outdated address- My Legal Name is XXXX XXXX XXXX ( XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX  XXXX XXXX, XXXX TX XXXX-address should reflect XXXX-when I moved into my home ; XXXX shows XXXX-inaccurate ; XXXXinaccurate city and date -- ( XX/XX/2024 ) Experian is the only CRA reporting old addresses- ( some over 20 years old ) -
Product: Bank account or service

U.S. Bank representative choose to not honor the terms and conditions of a checking account promotion, saying that I do not qualify because I participated the promotion in XX/XX/XXXX. The published terms and conditions places no such restriction. The account was opened on XXXX XXXX. The terms and conditions states : " Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last six months, or received other U.S. Bank bonus offers in XX/XX/XXXX. '' After reviewing the published terms and conditions of the bonus, I asked 3 times to the status of my bonus and did not get an accurate response.
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.

Equifax has violated my nghts.

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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer didnt consent. 

The following account on my Equifax XXXX XXXX credit report does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

All Financial Institutions/Consumer reporting agencies involved and identified in this complaint including, EXPERIAN, XXXX, and XXXX are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Additionally, EXPERIAN, XXXX, XXXX, and all other identified financial institutions/agencies are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT, for violating my privacy and disclosing my nonpublic personal private customer information to other persons. And EXPERIAN, XXXX, XXXX, and other persons identified are guilty of criminal and civil penalties for violations of Aggravated Identity Theft for knowingly possessing my nonpublic personal identification in a felony violation. 

Unless I give prior written or verbal permission please stop disclosing, sharing, transferring, possessing, and/or violating my nonpublic personal records and privacy. 

SEE ALL ATTACHMENTS
Product: Credit card

got a ltr they closing my acct base on a cr bur rpt i dont have acct ending in XXXX
Product: Mortgage

RoundPoint Mortgage Servicing LLC is a XXXX  XXXX XXXX XXXX XXXX. They failed to keep my landlord insurance records correct on file. Despite me giving the 100 % proof of XXXX XXXX documentation to RoundPoint Mortgage company and getting their own department to confirm that is all they needed as documentation, I shockingly still keep getting paper mails where they are claiming I did not send the insurance information and they claim they purchased another insurance at my expense. 

My request is that my loan should not be serviced by a failed RoundPoint Mortgage company who has made my life very hard. I have to take time away from my job to keep calling them to fix their internal system records. So far I have done this three times. This is mentally traumatizing. I worked hard to pay for the monthly payments, timely provided all the documentations in XX/XX/year>. Yet, I am keep getting harassed from their insurance department. 

I am attaching two files : ( 1 ) XX/XX/XXXX, documentation sent with RoundPoint insurance dept on the call. ( XXXX ) XX/XX/XXXX letter with false claims issued again.
Product: Mortgage

We purchased our home in XX/XX/XXXX, through the Mortgage company AmeriSave Mortgage Corporation. In XX/XX/XXXX our first mortgage payment was in the amount of {$2400.00}. However our mortgage payment history only shows that the payment was only for {$1000.00}. We have sent over a copy of the check for the full amount over to the Mortgage company as proof in XX/XX/XXXX. We have called the Mortgage company at least 5 times, but now it's XXXX of XXXX and the issue has still not been resolved. Nor are we getting response from the Mortgage company on this issue unless we call them. When we call them, they keep telling us that they are working to resolve it and that it would be fixed within 5 to 10 business days, but it's still not resolved. I'm attaching a copy of the original check and the payment history from the Mortgage company website which shows we are only being credited for the {$1000.00} instead of the full amount.
Product: Credit card or prepaid card

I have two serious problems with American Express. I have been a customer of American Express Credit Card Co. for many years. 

The first problem is : One month ago the company sent me a letter saying that I would be enrolled in paperless billing as of XX/XX/2023 - without my consent. I did not want that change. It took me about two hours speaking to a customer service representative ( a week or so ago ) to have that changed. The employee said it was corrected, but I am not sure that it has been done. I do not trust the company. 

The second problem is : Up until one month ago, American Express has sent me a monthly bill that clearly stated what amount I need to pay each month to pay off my debt within 3 years, thus saving interest and allowing me to properly manage my expenses. The company stopped doing that last month and did it again this month. 

I spoke to a customer service representative who said that my only choice is to pay the full amount or the minimum payment, which will take me 36 years to pay off and XXXX  in interest. 

I can not figure out what the 3 year pay off amount is. I need it. I feel American Express is engaging in an unfair practice that is designed to make me pay more money and increase its gross profits. 

I need your help. 

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

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Free checking bundle which consists of a Free Checking account and a saving account with First Citizens Bank. According to their marketing materials, customers are promised to " get {$300.00} when you open a Free Checking with a {$50.00} minimum opening deposit and open a saving account. '' Additional requirements include ( 1 ) establish direct deposit of at least {$1000.00} per month OR ( 2 ) make 10 debit transactions within 90 days of account opening ( see attached advertisement ). I made 11 debit card transactions, and the last transaction posted on XX/XX/XXXX. 

The {$300.00} was advertised to be paid out 120 days after customers meet the requirements which in my case was on XX/XX/XXXX. The bonus had not been deposited to my account, so I reached out to the bank via a secure message on XX/XX/XXXX. On XX/XX/XXXX, a customer service specialist named XXXX replied that I did not get the bonus because the direct deposit requirement has not been met. On XX/XX/XXXX, I replied back and explained that I met the requirement by making 10 debit card transaction within 90 days of account opening. On XX/XX/XXXX, XXXX replied using the same boilerplate answer and informed me that I did not receive the bonus because I have not met the direct deposit requirement. This signals that First Citizens Bank is not going to honor the bonus by the debit card requirement as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

Here is the remaining account : XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 

I called Congress Collection, spoke to XXXX account manager, who was very rude, disrespectful, and unprofessional. Just taking me in circles to force me to pay for something I do not even owe. 
When I asked XXXX for details, her answer was always, I don't know, that's all I have. 


Account Name : CONGRESS COLLECTION Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date Opened1XXXX StatusCollection account. {$320.00} PAST due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Citicards CBNA, and XXXX XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

Unauthorized use I checked my credit report and notice names and addresses of place I have never lived
Product: Debt collection

COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.