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

On XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I noticed there was incomplete and inaccurate information reported to my credit report I requested proof or verification corresponding to the accuracy and compliance regarding this account and that all information reported is complete and accurate. 
I sent all of the documents attached certified mail, with visible dates and tracking number visible ( XX/XX/2024 ) XXXX XXXX XXXX XXXX XXXX as well as NOTARIZED, coupled with supporting documentation. If letters were sent NOTARIZED it could only be me who sent the letter, in their attempts to dismiss my request they claim they have not taken any action on my alleged request. This request is in fact not alleged but legitimate and my right as a consumer and this is simply a stall tactic.
Product: Credit card

HI Recently, received three letter to an old address denying me of credit cards that I did not apply for. They are XXXX, Bank of America, and XXXX XXXX. 

XXXX Application ID XXXX XXXX XXXX Application ID XXXX Bank of America- Application ID XXXX All of these requests where not placed by me. Please let me know what I can do to report someone applying for credit cards under my name and with my social security. 

Please feel free to call me or email at my provided information. I want to make sure this does not keep happening. 

Thanks, XXXX
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. 
Account : XXXX XXXX XXXX, Dept of Ed XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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: Payday loan, title loan, or personal loan

American First Finance opened an account for someone else using my social security number but not my name. They would not provide me with any other information and now I am having to file police reports and complete affidavits for this. XXXX XXXX which handles credit for these " payday loans '' which I would never get, can not verify me so I now I have to send all this information through the mail. The fraud alert was found on XX/XX/22. I contacted American First Finance on XX/XX/22. I contact XXXX  on XX/XX/22.
Product: Bank account or service

Fifth Third Bank offers an Access 360 debit card that apparently they have no control over. 
During a recent trip to pick-up a carry out order at a restaurant, I was over charged. I contacted the restaurant and they explained the error and said that I should contact my bank since the amount they put through was for the actual amount of purchase. Apparently, this card, when used at a restaurant, automatically imposes a XXXX % tip onto the price of the food order. I called Fifth Third about this. I was told that they have no control of this kind of overcharging and that they had no contact information so I can address this with the company responsible for the card 's programming. So, this is a feature that can not be cancelled.
Product: Prepaid card

They accuse me of making the charges and sent me copy of transaction only that's not enough to prove anything I sent over documents proving my whereabouts at the time of charges and other documents to prove I wasn't the one making those charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the Credit bureau XXXX, XXXX, Experian that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later XXXX and Experian decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank you~XXXX XXXX
Product: Debt collection

The collection agency Overton, Russell, Doerr and Donovan put a Garnishment on my Social Security Benefits using a court papers dated XX/XX/XXXX which I was never served any papers to go to court. The 7 years Statue of Limitations expired on XX/XX/XXXX, This medical debt was supposedly incurred in XXXX, that is 10 years ago. I have always had health insurance.
Product: Credit card or prepaid card

Capital One closed my credit card account without notice on an arbitrary date ( XX/XX/2020 ) due to inactivity. I called to restate this card that I had for many years ( over five though less than ten ), and they told me it was not an option to restore the account in accordance with ever-changing terms and conditions. What they did to me sounds suspect, as action was taken without any notice two days prior to a second quarter end during the COVID crisis. This action adversely affects my credit score and inhibits my ability to refinance a house or make other credit-based decisions. The credit damage can not be fully restored by opening a new account, since age of account matters.
Product: Student loan

I can not log onto Aidvantage website. I dont know much information regarding my loan balance or the switch from my previous loan service provider XXXX XXXX I have not received a call and only received an email from Aidvantage welcoming me to Aidvantage. I am not sure whats going on with my student loans. Not knowing any details about this and not being able to log on is a huge issue.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX i sent some letters to Equifax about the method of verification of the way the conduct their investigations, about the procedure that Equifax uses, looks like Equifax is either not really investigating anything or they just like to stall tactic method on Federally protected consumers like me and not provide real documentation to back up any claim that an item was actually verified according to the Federal Fair Credit Reporting Act ( FCRA section 611 ). I would like your help in this matter. I feel as though Equifax does not care about breaking federal rules. CFPB please help me..
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have been dealing with this since late last year. I have followed all of the instructions for what to do in this situation but the credit bureaus are not really doing anything to help me and they are violating federal law.. I did get a response from your office but have not heard anything since then. I have sent my information to the credit bureaus and there are XXXX cards that were not opened by me. The accounts. Obviously, the account is in my name. IT IS IDENTITY THEFT!!!!! I am not disputing it and saying it is inaccurate, I am saying someone got my information and opened the account by pretending to be me. I do not understand what it is they can not wrap their head around,. Please help me. This is ruining my whole life. I need assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, my purse with all of my belongings ( including wallet with ssc, ID, credit cards, keys ) were stolen. Information such as inquiries and collection accounts on my credit report regarding business loans, and evictions are false in result of identity theft. I attempted to contact the credit card companies and reach out to collection company since XXXX, and stated to them that I am a victim of identity theft. They only told me to place fraud alerts on all accounts, however they proceeded to report false information on my credit report and continued to refuse my complaints. I also filed police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report
Product: Debt collection

During the time of the collections, insurance payments took care of them. I was also was laid off from my jobs. Covid-19. The amounts on file from this collection agency changed and are incorrect. I couldn't possibly pay new and incorrect amounts being unemployed. Also, these calls were before XXXX in the morning. Threatening and abusive language was involved on the part of the collection agency. I certainly have no intention of fraud and I don't need or want the so called luxury of lying about it. I can't be hampered by both horrible employers, who're broke and fraudulent themselves, along with an abusive employee of a collection agency. There's no way on earth. I took action on XX/XX/XXXX and on XX/XX/XXXX. I politely told them to stop calling me. I've had an experience with a collection agency which hounded me in the past. I paid them in full and they were abusive and called constantly. This is a new scenario. This debt collection agency hounds me. I had had their collections removed. But not on all sites. Disputes have been made. Investigations are pending all across the board. Those were done again today : XX/XX/XXXX. I'm a XXXX XXXX XXXX in good standing. These collections are inaccurate and need to be removed. I pay my debts in full. I need this problem to be resolved with your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, first contacted XXXXXXXX XXXX approximately on or about XXXX XXXXPrior about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results Experian ( Letter was sent three times ) No results Collection of Debt XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
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, defamed my character and caused undue stress : XXXX  - XXXX, XXXX XXXX - XXXX 12 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I mistakenly made a double payment of my mortgage payment ( in the amount of {$2500.00}. Upon making the mistake, I immediately called and asked if a refund could be processed. I was advised that a refund would be direct-deposited into my bank account with 48 hours. 

On XX/XX/XXXX, when the deposit didn't appear in my bank account I followed up with a call to verify the bank deposit had been initiated. I was, once again, assured that the money would be deposited. 

On XX/XX/XXXX, I followed up again and was told that the money had been deposited and supplied with a ACH reference number. Despite assurances that the money had been deposited, it had not. My issue was then referred ( for a second time ) to an internal " research '' team for investigation. 

On XX/XX/XXXX, I followed up again to see if the research team had discovered the problem. This time, the customer service representative gave me a different story. They claimed that the original refund had been sent as a check via the mail. They claimed they would put a " stop '' on the check and issue an immediate refund via direct deposit that would appear in 48 hours. 

On XX/XX/XXXX, I followed up again to ask about why the deposit still hasn't appeared in my bank account. On this occasion I was told that the research team still hadn't begun the research and that no further information was available. Multiple attempts to reach a supervisor or someone from the research team were greeted with hang-ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report and asked that the company provide proof showing my wet signature to me. They have failed to show me that proof and the items are still reporting inaccurately on my credit report.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Creditor : XXXX XXXX Regarding : XXXX XXXX Our Account Number : XXXX Client Reference # : XXXX Balance : {$3100.00} Settlement Offer : {$810.00} This is to advise that Credit Control , LLC as an authorized agent for XXXX XXXX regarding your XXXX XXXX  account has received your payment in the amount of {$810.00} for the above noted account. This account is now showing settled for this amount in our office.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a Best Buy Visa to make a purchase online. The item I received was returned on XX/XX/XXXX at their XXXX XXXX, PA store. When returning the item, I told the clerk that I hadn't received my credit card yet but asked if I would still be able to make a purchase and he informed me as long as I had my ID, I would be able to make a purchase. I attempted to buy a cell phone, and at the end of the transaction, the young woman who was checking me out had to call the credit card company. After answering all their questions to verify who I was, they would not allow me to use the credit card until the bank got a hold of me through a phone call that would take about 48 hours. I never received any phone call. Today XX/XX/XXXX, I received my credit card in the mail. I called the number on the card and talked to a man named XXXX after XXXX XXXX. He informed me that the card could not be activated until the bank got a hold of me. I explained to him what happened at the store and that the bank had never gotten a hold of me. I told him just to cancel the card, and he said he is unable to cancel it till I receive information from the bank. I then said I would like to talk to the bank and he informs me he is from the bank. I asked to speak to a supervisor, and he puts me on hold. He comes off of hold and unfortunately, tells me there is no one to talk to right now and to call back in an hour. I do not understand what their problem is, but this cost them a sell at the store level, and they now have a very frustrated customer. Please help us solve this issue. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 financed a car with XXXX XXXX XXXX. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.
Product: Mortgage

My mortgage is with Bank of America. 

Due the hardship related to COVID-19 I got multiple deferrals of my payments. After 18 months of deferrals, I was told that I can apply for a mortgage modification. 

I applied for modification and submitted all the documents to show my income. I was assigned an account manager or dedicated representative, and would be in contact with her regularly, answering questions verbally or submitting documents as per request. 

At a certain point, I was requested to submit a Profit & Loss statement for a XXXX XXXX that I owned. This was totally out of bounds, as it was nowhere in the document list, nor would it have any impact one way or the other on my income. I provided the explanation to the assigned account manager, stating that the only income I receive from this business is a small paycheck. I was told that nothing further is needed. I then went for a while without hearing back. I kept on calling Bank of America for updates, and was constantly told that my application was still under review. 

Then at a certain point I was told that my application was declined ( and was given a much earlier date of that decline ) because they couldn't verify my employment and income. When I asked what that was about, I was told it was because I didn't provide the Profit & Loss statement for the XXXX XXXX. I argued that this is totally incorrect, as regardless of what that P & L statement would show, it wouldn't have any impact on my income, as the entity isn't a pass-through entity and it is not self-employment income. As such, the only documentation I would need to provide in relationship to that company would be the paystub I receive, which I had provided. 

Numerous attempts to escalate this and have Bank of America give my application for a loan modification a fair and complete evaluation have ended up with a dead-end, insisting on requesting these unnecessary documents, which are hard to come by and wouldn't have any effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

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

XXXX XXXX XXXX is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX a month . They reported me with a monthly income of XXXX a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX I am asking Equifax,  XXXX,  XXXX to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and transunion 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. Code 1681s2 - 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.

They have a address listed as 7575 cr 4044 kemp tx. this is not my address and I have never lived there.