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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : 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  has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a company of XXXX and XXXX  XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, Equifax, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, Equifax, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and  think about next step on how mortgage is denied. Frauders and liars.
Product: Checking or savings account

XXXX XXXX, I went to the bank because I spoke with Simmons Bank CSR who told me that I could apply for XXXX XXXX and when I went to the bank on that day. I was told by XXXX XXXX that I would have to wait until XX/XX/. I called a couple of weeks later and was given the same date. I went to the bank on XX/XX/XXXX, and was told the account was closed. I was told that they would re-open the account. I was told by XXXX XXXX that she would call me. Everytime I went to the bank, I was told the same thing. I was never contacted until I filed multiple complaints FDIC and this organization. The FDIC later forwarded the complaint to the Federal Reserve. If they actually attemoted to contact me, please provide evidence and documentation ( undisputable ). The account is now open and I do have a XXXX XXXX. Simmons did send the account to collections which needs to be rescinded and removed from all credit reporting and banking reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( XXXX ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) BMW Financial was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) BMW Financial has harassed the physical person damaged my reputation and stole my property.

3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 BMW Financial has willfully mutilated my account XXXX  and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not log on to Experian account after receiving multiple notices of changes to my credit report. 
Contacted " Help '' and they sent my user name. User name was just my name, not my e-mail address! Then did " Change Password '' and new password was " accepted '' per their website. 
But still could not log on. System can't decide if my username OR e-mail is correct. 

Called, but was concerned, once I reached a human, that it didn't sound legitimate. 
So, tried having them contact me by phone, with the " one-time XXXX code ''. They called me with the code, but I ended up with only XXXX of the XXXX digits needed for the code. Same result the 3 times I had them call me. It was a totally automated voice robocall, not a text or a human. 

This has been an on-going problem with Experian. Don't remember all the steps I had to go through to access my Credit Report in XX/XX/2022, so don't know what else I have to go to get logged on. Have a XXXX ID number, but no one has asked for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was XXXX, XXXX, XXXX or more days late. 
Capital One Reported On XX/XX/2023 Account XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that XXXX had deleted the payment history, XXXX changed the dates, which are still inaccurate, and Equifax erased their payment history to unknown status. 

Also, between all three credit bureaus ; XXXX, XXXX, and Equifax, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my investigation.
Product: Checking or savings account

On XX/XX/XXXXa XXXX check in the amount of {$140.00} to XXXXXXXX XXXX XXXX was delivered to the business. 
On XX/XX/XXXX, Navy Federal made an ACH debit in the amount of {$140.00} as an online payment to XXXX XXXX XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX XXXX returned the unpaid XXXX check ( {$140.00} ) to me as a refund for a cancelled contract. 
XXXXXXXX XXXX XXXX did not receive an ACH debit nor are they set up to receive online payments. 
I did not authorize a duplicate payment. 
I was advised that paper checks are automatically debited as 'online payments ' on the scheduled delivery dates and not when the checks are presented for payment. 
This makes no sense but the same thing has happened on multiple occasions in the past. 
Thank you for any assistance.
Product: Credit reporting or other personal consumer reports

Over the last year I have requested the credit reporting company ( TransUnion ) to reinvestigate their findings as they are inaccurate. I have sought information regarding who they spoke with, when, what's their position, and many other questions regarding these accounts reporting 12 late payments regarding the incorrect information involving a company named ( XXXX ). This company purchased student loans and ended up reporting 12 late payments in a span of 6 months, when the accounts there were 2, loan 1 and loan 2 while the accounts were on auto pay with previous student debt companies, also the accounts were in forbearance during their XXXX purchase of the 2 accounts. After their purchase of the student loans, they placed new account numbers without notification, and immediately reactivated payments without any notification, the accounts were previously XXXX XXXX XXXX, and then XXXXXXXX XXXX during this purchase period of XXXX something in their system caused a reactivation of payments without notification. I have reached out to both TransUnion and XXXX, and both send very border plate response letters saying they have investigated and everything 's accurate without providing any additional information. I recently mailed ( XXXX ) certified return receipt mailing and ( XXXX ) has not responded to my request for information. The Fair Credit Reporting Act tells companies how credit reporting disputes should be handled. According to federal law, if a consumer disputes directly with the furnisher the accuracy of information thats been furnished to credit reporting companies, the furnisher is required to conduct a reasonable investigation about the dispute. After completing this reasonable investigation, the furnisher is required to report the results of the investigation to the consumer generally within 30 days. In this situation the furnisher ( XXXX ) has not responded in over 45 days.
Product: Debt collection

Duvera is reporting to XXXX, XXXX and XXXX that I owe them {$3000.00}. Im not sure how they got to these calculations because I never did business with them. I been disputing this account since 2021 and haven't gotten any response from them besides an attempt to collect on the alleged debt. They had 30 days to complete the reinvestigation, yet they have failed to respond. Its been 6 months any further delays are inexcusable. I have been more than patient with this company. It is unfair and its like I have no rights over my report. Please remove this account from my credit report. They have not provided me any facts that I owe them money. They need to successfully discard the debt or seek a different type of remedy besides ruining my credit.
Product: Debt collection

Convergent Outsourcing was collecting for a cell phone bill, and their collection agent told me that if I paid them, they would delete it from my credit report, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid Convergent Outsourcing, and I now have disputed it multiple times through the credit bureaus but Convergent Outsourcing refuses to delete it as their collection agent promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX BANK 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 DEPTARMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit card

I carried a balance on my credit card from XXXX month to the next. Then when I paid the card in full the following month by the due date my card statement showed that interest had accrued on my account. The company said it was the interest accrued between when the statement was printed and when my money was received.
Product: Mortgage

I applied for mortgage assistance from my primary lender, XXXX as well as the secondary lien holder, Chase XXXX HELOC XXXX in XX/XX/XXXX. While I was approved for a FHA Hamp Mod with XXXX, Chase instructed me not to make any payments on my loan because they would most likely offer a 2nd HAMP. I was told the first lender 's HAMP mod has to settle before Chase HELOC could offer anything. The HAMP mod settled in XX/XX/XXXX. However, I diligently called Chase and continued to resubmit mortgage assistance documents regardless. I always informed them on the updates from XXXX concerning the settling of the FHA HAMP mod. The HAMP mod settled XX/XX/XXXX. After informing Chase, I noticed several things occurred which cause grave concerns : 1 ) Chase would change out customer service reps assigned to my file and the new rep would claim they had no knowledge of any previous notes on the file 2 ) Chase would claim faxes or mailed documents for the mortgage assistance were missing, which literally occurred for more than two years on this issue 3 ) Chase would not return phone calls or respond to my Escalation Dept. incidents. The first letter received for an answer for mortgage assistance was received XX/XX/XXXX and it was a denial. Chase claims I do not have a HAMP mod despite WFHM and a Supervisor from the XXXX XXXX XXXX verifying such via conference call. Chase is now stating they do not do 2nd HAMP 's for FHA loans whatsoever. In XX/XX/XXXX, I immediately appealed the denial decision and followed up via telephone with a Supervisor for the rep who submitted the paperwork to the underwriter. The rep assured me, as well as the previous rep, that Chase could give me the XXXX HAMP and I would hear something soon. This rep left the department, but apologized that Chase had " screwed up. '' Chase asserts they never received my appeal and provided two options : short sell or reinstatement. I did not sign their documents for either to take place. The reinstatement amount has so many fees as a result of Chase intentionally permitting the issue to sit for 2 years. I contacted Chase via telephone in XX/XX/XXXX to find out who was re-assigned to the file since no one was overseeing the account according to Chase. I discovered during my conversation that Chase has " written off the account. '' I was told that I could make monthly payments on it because the accounts was written off and the lien has been removed from the property. After making 6 months of payment, the letter from Chase states they will review the account. I do not trust what will happen from here, but it is not a good feeling. I do not understand how a financial institution that was bailed out from the federal government can turn around and deny a consumer who is ELIGIBLE for assistance the opportunity for such. I want a resolution and transparency from Chase how they will right their wrong.
Product: Debt collection

someone else charged the account in full over 600 miles from my location and comenity dba XXXX refuses 12mos later to remove the spurious charges.
I might owe them {$10.00}, tops.
anything over 50 is covered by the consumer fraud statute and cardholder agreeement.
has asked for twice this amount and refuses to hand over the acct to a 3rd party. XXXX XXXX also does this. XXXX XXXX also does this. ( showing a trend ) can not place me at PoS becaus I was in XXXX charges were en-mass in XXXX and wo my permission. THEY WERE NOT AUTHORIZED.
Product: Debt collection

Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.
Product: Debt collection

The dates indicated we did not live at an address that required an electric bill and XXXX XXXX XXXX XXXX XXXX was vacated on XX/XX/2020. Even if it was from that address it's impossible for {$1500.00} to be owed for a small apartment. This needs to be clarified and corrected.
Product: Mortgage

I applied for a first time homebuyer loan and was told that no action could be taken at the time because of my credit score, However there was correspondence on my behalf to other lenders which asked me for all my iformation but still denied me an opportunity to even work with a mortgage company.
Product: Credit reporting or other personal consumer reports

I received your response Last ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXXXXXX XXXX XXXXXXXX. I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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