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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : XXXX XXXX XXXX XXXX
Product: Debt collection

Received notification of a derogatory error on my credit report from COI. Covergent Outsourcing INC. I have no knowledge of company and I have never signed a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Sent adverse action notice to American Express for denial after a consumer credit transaction that I was not able to benefit from, Also see attached documents
Product: Money transfer, virtual currency, or money service

I was purchasing a house in XXXX and I was instructed by my XXXX agent to wire the {$25000.00}. I did at Bank of America on XX/XX/XXXX. On XX/XX/XXXX he called said run to bank cancel it, its fraud. So I did.i bank with Bank of America. The money was at XXXX XXXX XXXX in XXXX. No one would give me information. 
Im still waiting XXXX XXXX wanted a hold harmless letter. To release my money. Bank of America refused. 
Please help me get my money back. XXXX XXXX XXXX knows who the account belongs to and will not talk to me, b of a wont help either.
Product: Credit reporting or other personal consumer reports

Please remove the following personal information from my credit profile as it is hurting me and my family.
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 me great emotional and physical stress : 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 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 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

For the other accounts : 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,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but Experian and XXXX  can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX/XXXX  XXXX  ACCT # XXXX XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately
Product: Mortgage

U.S Bank is dual tracking. They are trying to give a foreclosure while trying to pursue a modification on out home. They are giving us undo stress. The mortgage company has been unreasonable. I had a change in circumstances and they have acting like they do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year Experian XXXX XXXX The account is with XXXX Bank it has a balance of XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Checking or savings account

Recently, deposited a XXXX : XXXX check. And Chase refused to release any of the funds as normal. With the check in limbo calls to the Chase customer service centre were made to understand the banks intent. 

Attempted cash date : XX/XX/2020 Customer service refused to process the check Customer service denied Supervisor request denied, then granted request. 

Deposited check or fund access granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX  account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX ACCOUNT NUMBER- XXXX
Product: Credit reporting or other personal consumer reports

am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Payday loan, title loan, or personal loan

On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. 
Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. 
I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. 
I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. 
I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. 
To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. 


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

I contacted Equifax on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$720.00}.
Product: Debt collection

The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of medical identity theft. Some one have obtained medical services using my name. The health records that XXXX XXXX maintains about me include information that is wrong and actually about some XXXX else.I have contacted XXXX and they have removed that information.. I am working to identity the effects of the medical identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.
Product: Credit reporting or other personal consumer reports

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.
Product: Credit card or prepaid card

Disputed transaction for unauthorized charge by a merchant. 

Merchant Name : XXXX XXXX/ XXXX XXXX XXXX XXXX -- XXXX Date of transaction : XX/XX/2019 Date of Chargeback : XX/XX/2019 Amount : {$250.00} Bank of America Visa/Debit Card Transaction ( No signature ) This merchant was NOT authorized to charge my card for this transaction. 
This was a landscaper that had my card on file to charge upon completion of twice monthly services in the maximum amount of {$100.00} and ONLY after obtaining my prior consent with verification that the work had been completed. I am an out of state homeowner and this individual took advantage of that fact by not showing up or doing the job he was contracted to do. He was FIRED for breach of contract, not showing up and leaving my yard unkept covered in weeds, overgrown and dead grass and bushes growing wildly along with leaking sprinklers that I had to pay another company almost $ 1k to repair due to his negligence. The amount in question was charged AFTER he was fired for non performance, and not showing up as contracted and another company was hired to complete the work. I in fact contacted him immediately when I saw that he charged my card, and told him he needed to reverse this charge as it was NOT AUTHORIZED. 

I gave this individual ample time to credit my card before filing a dispute, he refused. 
I filed a dispute with my bank, Bank of America, they issued a chargeback on XX/XX/2019. 

The merchant provided an invoice addressed to a completely different person with a different name as part of his rebuttal and " evidence ''. He has also provided some papers that show what appears to be a random message thread with no names, numbers or any indication that it's a conversation I am a part of or not just something he wrote and printed up himself. It certainly doesn't show my name or number associated with it, not too mention unless he can provide an actual sealed transcript from my cell carrier, anyone can photoshop and doctor up a fake document to attempt to defraud someone. I could just as easily have printed out some documents to say whatever I want them to say as well. 

Giving a merchant a card to keep on file for one monthly charge after work has been completed and I authorize the charge, does not entitle them to just randomly charge an individual 's credit card at will, whenever they see fit, especially when the cardholder has explicitly informed this merchant they were NOT authorized to charge anything without prior consent. 

This is tantamount to fraud and I would expect as a client of Bank of America for 20 years to be treated better than this. I respectfully asked them to reconsider the decision based on this information and their lack of ANY proof that I authorized them to charge my card {$250.00}. I will be filing additional formal complaints with the XXXX, XXXX XXXX and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX collection account as not being mine. Both XXXX and Transunion has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
Product: Credit reporting

The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX financial Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XXXX Company : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/2022 Company : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX
Product: Debt collection

Company never sent me any notice of collection of debt I check my credit report and seen it Dispute was made XXXX I havent received a response from company