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

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Product: Money transfer, virtual currency, or money service

Money was taken from my account multiple times and wouldnt let me get a hold of anyone always just AI person talks never got any response or money back took bill money from me and thats not ok with how hard times are
Product: Student loan

Maximus Education , LLC DBA Aidvantage is. Financial institution by definition. 15 USC 1681 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the WRITTEN instructions of the consumer to whom it relates. 

Aidvantage the financial institution and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my verbal or written consent to furnish this information. 

Any and all consent to XXXX, XXXX, XXXX and Aidvantage whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Additionally according to 15 USC 6802 ( b ) ( c ) a financial institution may not disclose non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Aidvantage never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

I have the right to privacy and to make sure my private information isnt shared. 15 USC 6801 states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Payday loan, title loan, or personal loan

From my understanding, I was loaned out XXXX $ and i was going to be paying the XXXX  $ back plus a bit more for the fiance charges. I am instead paying back XXXX which i don't see why that is fair. I was never told the finance charges were going to be so high. By now it is XX/XX/18 and I have payed XXXX . I pulled out the loan on XX/XX/XXXX. I still have until XX/XX/XXXX to pay. That is way more money than i expected to be paying
Product: Debt collection

My name is XXXX XXXX XXXX XXXX. I have received a letter from Discover bank to collect a debt ; however ; I totally do not know about this Discover account. I filed to Identity Theft and Police report to protect myself from this. Now, I submit to this complaint to get further assistance from the CFPB.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're infringing on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX XXXX XXXX Late Payment {$32000.00} XXXX XXXX XXXX XXXX Collection {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$1100.00} XXXX  XXXX Collection {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Collection {$1500.00} XXXX XXXX Collection {$3900.00} XXXX XXXX Collection {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$3900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2600.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Charge-off {$2800.00} XXXX XXXX  XXXX Charge-off {$280.00} XXXX XXXX XXXX Charge-off {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$660.00} XXXX  XXXX Charge-off {$1500.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00}
Product: Money transfer, virtual currency, or money service

I got an email from Money Gram saying that my account was set up and then saying that my transer was sent. They also sent me a receipt. I did not send a transfer, nor have I ever set up a Money Gram account. On the receipt that came to my email was my name, with a different phone number and address ( not mine ).

There was also the last 4 digits of a credit card that I don't recognize.

I called Money Gram. They said they would cancel the account, but the transfer had already gone through. They said to call my card -- but the card is not mine. I asked if they could tell me the credit card company so I could call and make sure a fraudulent account was not created in my name. They said no. 

So now I am very worried that someone has fraudulently opened a credit card in my name. And since I don't know the credit card company, I can't call to fix it. What should I do?
Product: Credit reporting or other personal consumer reports

I have requested and sent in supporting documentation to these consumer reporting agencies regarding inaccurate accounts, addresses and names present on my credit reports. 

These inaccuracies violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which mandates that consumer reporting agencies ensure the utmost accuracy in the information they provide. 

I know that the accounts in the included documentations are not mine and I have asked the consumer agencies to provide any and all documents or records they may have that related to the accounts - these agencies have not taken my requests seriously and have failed to provide any information showing the validity of these accounts. 

To be clear my name is XXXX XXXX XXXX, no other name is mine and no accounts with other names are mine.
Product: Credit card

Just before XXXX of this year I received a call from M & T banks collection department telling me a had a past due account in the amount of {$21000.00}. 
First of all and most importantly I didnt make those changes Im a victim of fraud, my ex husband of two years made the charges, used it for cash advances to gamble with. This was a 13 year old card which I closed years ago, it was a XXXX card, my ex husband was a authorized user on the card, he couldnt be a joint holder or have his own card due to his gambling history. I took him off as an authorized user when he broke my arm and I had to have a order of protection against him. He was able to get a replacement card for that account, all without the bank ( M & T ) checking ANY verification, if they had they would of found out that my last name had changed due to my divorce, I took back my maiden name also I moved XXXX miles away from him to XXXX, he currently lives in XXXX NY where we lived when married. Also I no longer lived at the address the card was issued in. The card was issued in my married name along with my old address of 2+years. 
He has also ruined my credit score due to this, my score was exceptional, now its poor.
Product: Credit card

I placed an order online on Home DepotXXXX using my Home Depot credit card. It was for an item priced at XXXX  a vehicle scan tool XXXX XXXX XXXX XXXX XXXX. The item was suppose to be delivered to my address and it never arrived. I never physically received the item nor did I sign for anything which the shipper should have been required to collect considering the amount it costs. I contacted them numerous times and they refuse to help me and tell me I have to pay which is ridiculous to me. How do they expect me to pay for an item I never received?!!! Also the proof that they have ( picture ) of the item being delivered is not my house. I have proof to show that my front entrance is different than the one they claim to have as a XXXX ( XXXX XXXX XXXX XXXX XXXX ) I decided to file a complaint with CFPB to get this resolved outside of court if not I will be seeking legal council and litigating against Home Depot Credit Services.
Product: Credit card or prepaid card

For background please refer to our prior complaints XXXX, XXXX, XXXX XXXX XXXX. 

Bank of America 's XX/XX/2022 response to complaint XXXX stated : " I am confirmed that our client was satisfied with this explanation at that time and they now consider this matter resolved. '' The quoted statement is false and was made with no basis. From the inception of this situation in XX/XX/2022 up until now, we have continuously demanded BOA provide us with all the information we have requested regarding the circumstances that led BOA to enter a spurious charge to our BOA credit card account. 

This demand has been reiterated in numerous written and oral communications with many BOA personnel- including attempts to bring the situation to the attention of BOA senior executives in XXXX XXXX XXXX. ( With specific reference to our XX/XX/XXXX telephone conversation with BOA 's XXXX XXXX, in which she apparently claims we expressed satisfaction and considered the matter resolved, we invite CFPB and BOA executive management to audit BOA 's recording of that conversation to confirm we said no such thing. ) We here reiterate our demand that BOA provide all the information we have requested over and over - including ( a ) the name of the bank or other institution to which {$1600.00} charged to our account was transmitted by BOA on or about XX/XX/XXXX XXXX ( b ) the specific information ( meaning the actual precise identifying personal data the imposter provided- not vague generalities, guesses or suppositions as to categories or possible types of information ) BOA received from a party impersonating us, upon which BOA relied in charging our account and releasing funds to the imposter. 

The information is obviously in BOA 's possession. We once again insist it be provided to us, in writing, so that we can determine any additional steps we may need to take to protect our assets.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX until I became XXXX in XX/XX/XXXX. I settled the account with the bank for a lesser amount when I had no regular income in approximately XX/XX/XXXX.

In XXXX, I was contacted by USI Solutions Inc. alleging the account was assigned to them in the amount of {$4900.00} and demanding payment.

Pennsylvania has a 7 year statute of limitations, and the debt was settled. I lost all records of the original account in a house fire in XXXX.
Product: Debt collection

Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this late payment being reported for XXXX  for XX/XX/2024 has violated my rights Per the XXXX XXXXSC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Debt collection

Exeter finance has continuously changed the status of a mark they have placed against my credit report from In collections to 180+ days late and back again to the status of In collections in order to consistently damage my credit report. This sequence has been going on for several months and Exeter finance is quick to respond to my credit dispute as if the status is valid with each monthly change. If the debt is in collections please validate the date and mark it with the correlating status. If this pattern continues I will be forced to move towards legal action as this is an unethical tactic from your organization.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> and several instances prior. MoneyLion has XXXX in the app which allows you to borrow based on income/direct deposits. It has a preloaded service fee, my concern is with a tip and based on the screen through process. If I decide to not leave a tip and hit submit the next screen comes up and has preloaded a tip. Sometimes I do this quickly and forget to check it but Ive noticed on that second screen even if I said no on the first the next screen includes one, if I see it and change it the app makes me confirm again on an additional screen to not tip including a message money doesnt grow on trees Or something to that effect. This is a process repeated as the max is {$100.00} so if you need {$450.00} of XXXX and its available then youll do the process 5 times- 5 chances for them to attempt/sneak a tip on top of the service fee.ot even looks like in my emails they processed a tip regardless.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX  XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. Ally is disputing my claims.
Product: Credit reporting or other personal consumer reports

I filed a dispute via XXXX asking for credit Corp solutions account # starting with XXXX to provide the following information to verify the account pay off disclosure interest disclosure balance history payment history credit insurance date opened & current balance none of these items were provided & Id like this removed off my credit report immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Equifax received my CFPB complaint about how my information with Equifax should be equivalent to my XXXX credit report, and then in XXXX I received a letter from Equifax stating, " we were unable to locate a credit file in our database with the identification information provided. '' ( the letter will be uploaded to this complaint ) dated XX/XX/year>. When I provided my information to the CFPB, I gave my date of Birth along with the last four of my social security number. So, with all this being said how is it that my credit file can not be located but you all have reported inaccurate credit information to my credit report that I CAN SEE ( which I will also attach to this complaint )? So now everything is contradicting everything. How are you all reporting information if you all can't locate a credit file associated with my date of birth and my social security number? Make it make sense?
Product: Credit reporting or other personal consumer reports

I contacted Experian three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time
Product: Payday loan, title loan, or personal loan

I applied for an XXXX XXXX of XXXX through my bank ( Suntrust now Truist ) in XXXX. I was told the loan would close in 2 weeks. I originally requested XXXX the bank counter offered {$17000.00} for home improvements. I was approved and in XXXX, however the loan never closed. I can not get any one from the bank to explain the delay of almost 4 months. I have been denied access to anyone in the loan department or any one in underwriting. I believe I have been discriminated against as an XXXX XXXX XXXX. The bank required me to pay off a car loan and credit cards in order to bring down my DTI. I did exactly what was requested, I submitted tax records, check stubs, etc. Still no closing and no one will assist me. I have sent numerous emails, stopped by the bank, I am being refused service. It is clearly discriminatory. 
My bank contact is listed below : XXXX XXXX XXXX, XXXX, Vice President, Branch Leader II / Truist, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Mail Code : XXXX Office : XXXX XXXX Other customers are closing loans with in 2 weeks, Please investigate this egregious behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within XXXX days. This has notbeenthecase.