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

I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction that I have made it is the result of identity theft
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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
Product: Checking or savings account

From XX/XX/year> until present. I have been signed up for overdraft protection. Each transaction I get a {$20.00} fee. That cant be refunded. Over XXXX overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report. 

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports. 

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account # XXXXXXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account is inaccurate
Product: Mortgage

Bank of America 's Trial Period Plan ( TPP ) documents for a mortgage modification under their Bank of America Loan Modification Program did not disclose the modification principal and interest payment amount, the modification interest rate, or the modification amortization ( time to pay of loan ) for the program that I qualified for, was offered and that I accepted. I had to base my acceptance of the mortgage modification based on the TPP 's information which only contained terms for programs that I did not qualify for and the total trial payment amount. 
This does not appear to abide by the spirit of the Truth in Lending Act. In addition, Bank of America did not attend XXXX of the meditations scheduled for this issue under Nevada 's Mediated Mortgage Modification Program ( MMMP ) as part of my Chapter XXXX Bankruptcy.
Product: Credit card or prepaid card

XX/XX/2023 and XX/XX/2023 : When the balance in my checking account indicated that it was available, I transferred {$750.00} and {$250.00} from the checking to the Capital One credit card to pay off the balance. Instead, Capital One reversed and rejected the payments on XX/XX/2023 even though the Capital One representative confirmed that the funds would be available by the 3rd business day. 

XX/XX/2023 : I attempted to make another payment for {$1000.00} from my personal checking to the credit card because Capital One informed me that funds would be available but on XX/XX/2023, the transaction was reversed and rejected again. 

XX/XX/2023 : I received a letter in the mail from Capital One credit card department who informed me that they are force closing my accounts.
Product: Debt collection

Diversified Adjustments are in violation of 15 USC 1692g ( a ) Notice of debt. and 807.  False or misleading representations. 
I contacted Diversified Adjustments ( DA ) on XX/XX/2019, by telephone, after checking my credit reports and found that they had reported an collection account, from XXXX, to all three credit bureaus without issuing a written Validation Notice letter. 
The amount of XXXX was reported to XXXX XXXX, XXXX and XXXX as a collection /charge off. See attachments. 
This improperly reported item has damaged my credit score significantly. If I had received proper notice, I could have timely resolved and or disputed this listed amount reported. 
During the phone conversation on XX/XX/2019 I advised DA that I had not received a Validation Notice prior to them reporting this debt to all of the credit bureaus as required by law. 
DA advised me that they had emailed this debt, via email, provided to them by XXXX. I contacted XXXX and found this not to be true. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 807. False or misleading representations. 
In this complaint, I reference XXXX XXXX XXXX XXXX , XXXX ( Case No. XXXX, U.S.D.C., Southern District of Indiana ) where the Judge stated that a Validation Notice Sent Via Email Requiring Consumer to Click a Link to Open a Secure Package Is Not Sending a Validation Notice Under FDCPA. 
See attachment which shows that the recent email sent XX/XX/2019 ( 8 days after initial contact ) does not contain three of the five requirements listed below : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
I asked DA to send proof or a copy, on XX/XX/2019, of the email that they claimed to have sent to me, prior to reporting this dept to the credit bureaus and they have yet to respond. 
This misleading and false misrepresentation of fact is a clear violation of 15 USC 1692e 807.

I attempted to resolve this issue with DA and advised them of the error on their part, advised them of my rights under the FDCPA and disputed their tactics use to collect this dispute debt.

Because of this error, I asked DA to remove this Negative improperly reported item, from all three credit bureaus. All to no avail. 
This complaint follows.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt collection

I am sending my police report to Experian, XXXX, XXXX, because I will like for this account to be remove of my report immediately. there are other accounts that I am not responsible as well. but I will send them in due time. but for now, I will like for XXXX XXXX to be remove form my account it has hindered me for 2 and a half years now. number XXXX in the amount of {$3300.00} this account been open since XX/XX/2021 collection XXXX derogatory mark on XXXX please remove it. Experian same as well derogatory, account number XXXX, remove of my credit report XXXX please remove this of my credit report derogatory.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward to furnishers, accepting unreliable responses, and failing to adequately notify consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my Stepson " XXXX XXXX XXXX '' suddenly passed away, I've been devastated, my family and I have been completely distraught, then on XX/XX/2021, I received an alert from my Experian monitoring service that American Express reported me 30 days late to the Credit Bureaus, I immediately contacted American Express paid the past due balance, American Express waived the late fee, however the agent said they could not help me with the late postings to contact their disputes department. I had no idea a payment was due for this account, I had paid the account in full on XX/XX/2021, I didn't receive my American Express monthly statement, I didn't receive any late notices or telephone calls from American Express. 
My credit score dropped drastically because of this late posting, I've had a perfect payment history with American Express and all my accounts, I've never once had a late posting to my credit profile.
Product: Debt collection

Since XX/XX/XXXX, a debt has been negatively reported on my credit account by Bridgecrest, despite my repeated requests for its removal. I must clarify that I do not, and have never had, an account with Bridgecrest. This letter is in response to your latest request for an updated address, which further underscores the fraudulent nature of the information being reported. The continued reporting of this debt is illegal and fraudulent, constituting clear violations of federal law. 

Specifically, this situation references violations of the following : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : This section pertains to reports containing information solely about transactions or experiences between the consumer and the person making the report. In this case, no such valid transaction or experience exists between me and Bridgecrest, making this report false and illegal.

18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means : This code prohibits the collection or attempt to collect any extension of credit by extortionate means. The continued false reporting of this debt, coupled with Bridgecrest 's attempts to collect on a non-existent account, could be construed as an attempt to use extortionate means to collect a debt. 

According to a consumer credit report from Bridgecrest dated XX/XX/XXXX, I allegedly owed a balance of {$13000.00}. The report also falsely claimed that the " merchandise was taken back by credit. '' This statement is inaccurate, as the vehicle in question was inoperable due to brake mechanical issues that were no longer under warranty and had a Federal recall from the manufacturer. 

As of today, XX/XX/XXXX, this inaccurate information is still being reported on my credit report, despite the fact that the contract with Bridgecrest is invalid. The persistence of this false reporting is damaging my credit and causing significant financial harm. 

Actions Taken : XX/XX/XXXX : Noticed the negative reporting of the debt on my credit account by Bridgecrest. 
XX/XX/XXXX : Consumer credit report falsely claimed that I owed {$13000.00} to Bridgecrest and that the merchandise was taken back by credit. 
Since XX/XX/XXXX : Repeatedly requested that Bridgecrest remove the inaccurate information from my credit report, with no success.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX 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 an account without my written instructions.

Please block this information from my credit report within four business dats pursuant to section 605C of the Fair Credit Reporting Act.
Product: Student loan

Statements from XX/XX/XXXX through XX/XX/XXXX provided in attachments. I have 13 loans with Nelnet, 4 with issues. Each loan is labeled AA through AM. For cross-referencing, in parenthesis I will list the group name. 

Timeline of events : ->XXXX XXXX My 13 federal student loans were sold from Great Lakes to Nelnet. All 13 loans had been in repayment with me making monthly payments since graduating in XX/XX/XXXX. 
->XXXX  XXXX Repayments with Nelnet began , auto debit for exact amount due was set up. 
->XXXX  XXXX I increased my monthly payment to an even {$300.00}. This was done using the Nelnet website, the option to apply the excess payment by percentage was chosen. I chose three ( AB, AC, and AD ) loans with highest interest to apply excess amount to. During this new payment application, the option " DO NOT ADVANCE DUE DATE '' was selected. 
->XXXX  XXXX- Monthly payment due for the 3 loans mentioned above is {$0.00}. Next payment due date XX/XX/XXXX for loans AB and AC, XX/XX/XXXX for loan AD. Interest continues to accrue. 
->XXXX  & XXXX XXXX- Pattern continues for 3 mentioned loans. Began contacting Nelnet Customer Service to inquire what is happening to the 3 loans in question. Answer given each time is there is outstanding interest, no principal payment can be collected. Website states no payment is due and next payment due date for each continues to be pushed out to future dates. 
->XXXX  XXXX- Interest from all 3 loans has continued to build since payments stopped in XXXX. All 3 loans collect payment on interest. 83.42 % of XXXX monthly payment was applied to interest, compared to an average of 49.4 % the last three months. Next payment due date continues to project future dates, one ( AD ) of the 3 loans projects next due date four months away from current due date. ADDITIONALLY, in XXXX, a fourth loan ( Loan AG ) has payment due reduced to XXXX and next payment due date is changed to XX/XX/XXXX. 
->XXXX  XXXX All issues persist. Monthly payment was taken for 1 of original 3 loans although website still states no payment due. 

Comments : As it currently stands, XX/XX/XXXX loans remain unaffected. The original 3 loans which presented issues are showing next payment due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the fourth  which began having issues in XXXX still states next payment due XXXX. I have called and emailed, each time receiving the same standard answer that outstanding interest must be paid prior to paying off principal. My issue remains unresolved : What changed that made these four loans payment due dates shift?
Product: Mortgage

On XX/XX/2019 we applied for a loan modification with Selene Finance. The document stated that all documents needed to be in by XX/XX/2019. A complete package was in on XX/XX/2019 and was sent to underwriting. On XX/XX/2019 loan modification was denied because a down payment of {$15000.00} was needed. We appealed and on XX/XX/2019 Selene Finance called and said it was approved but no letter would be sent out until the {$15.00}, XXXX was paid. Selene Finance sent a foreclosure letter on XX/XX/2019 and the sale was XX/XX/2019. The sale was postponed until XX/XX/2019. We were in Chapter XXXX and the case was dismissed on XX/XX/2019. The attorney for the buyer of the property wrote a letter stating that the sale was XX/XX/2019. The borrower was given a breach letter on XX/XX/2019 for {$82000.00} and changed the amount to {$110000.00} on the date of the sale. They charged {$24000.00} in interest for 10 days. 
An appeal was filed within the 14 days allowed for a bankruptcy appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about   XXXX   XXXX   i had my home depot account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the   XXXX   XXXX   XXXX   that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for   XXXX   XXXX   then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  XXXX  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at having  XXXX  percent history and never make min payment for 8 years for this to happen over home depot mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX
Product: Credit reporting or other personal consumer reports

i lost my wallet cantaining my social sercuity card and my ID and i was a vitcim of idenity theft
Product: Debt collection

Portfolio Recovery LLC Threatened to sue me and did without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX XXXX and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX XXXX, or Transunion does not have any files to verify these accounts, nor will they delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act- XXXX XXXXXXXX and XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, my personal information has been compromised. An account was fraudulently opened using my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. Balance : {$8400.00}. I need this fraudulent account to be removed from my credit report immediately, it is hurting my credit drastically. I was in a bad a car accident a few years ago, since then I have been hospitalized and unable to monitor my finances. I contacted XXXX XXXX  and advised them that this account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT, I WILL BE ATTACHING THE IDENTY THEFT REPORT THAT I FILED WITH THE FTC.
Product: Credit reporting or other personal consumer reports

Agency : Caine & Weiner Collection of {$290.00} I paid the full amount to the main creditor, XXXX XXXX, and called the collection company Caine & weiner regarding the amount as it was paid in full at the end of XX/XX/XXXX. Was told it would be removed as there is no longer a balance. It is still showing on my reports as of XX/XX/year>. I am requesting for this to be deleted off my report.
Product: Money transfer, virtual currency, or money service

I am a user of Cash App and I collect payments and deposits from clients. I establish with the client in question that a nonrefundable deposit was necessary to secure an appointment date. The client was certain she wanted the service and even wanted to pay the full amount. Later on she decided to pay just the deposit. She paid that nonrefundable deposit later on decided to cancel the appointment. She stated clearly that I can keep the deposit for the inconvenience which was my policy anyway. Over a month later, I received an email from Cash App saying that the client disputed the charge with her card company and the amount would be refunded from my account. I got no notification from Cash App that this dispute was even happening. I had no chance to defend myself with the copies of the text messages that she sent and the agreements between us. When I called Cash App customer service she basically told me theres nothing she can do and to have a nice day. The proceeded to hang up on me. It was very unprofessional and I will never use Cash App again for anything business related.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/ XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or  documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit card

My payments are always made promptly, without exception. However, it's perplexing why this company sporadically marks me as late, a situation that shouldn't happen. As per USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account with inaccurate reporting.