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

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is with Experian, the credit monitoring agency. I have had my credit frozen with this agency for a long time. They have screwed up my account somehow and I am unable to log in to my account or access a credit report. I sent them a letter with all of the information they said they needed to re-establish my identity and reset my account in XXXX. They did not respond until XXXX with an unhelpful email just directing me back to their general number with instructions to unfreeze my credit, not addressing my concern with being able to log in at all. On their website, their resets simply don't work ( codes to re-establish my user ID or password are never sent ), or clearly have erroneous information on my account despite my setting a credit freeze several years ago. It is impossible to get through their voice bot to get to a human to fix the log in information. They send links to websites to reset the password that don't work. 

This company seems to rely completely on computer generated letter responses and voice bots that do not address my login problem at all, denying me the ability to receive any information regarding my credit, as federal law requires them to provide.
Product: Credit card or prepaid card

I am writing to request an increase on my Barclay 's Aviator credit card. My work requires that I travel more than ever before, and I am fond of the security a credit card offers when traveling. My traveling expenses have grown to the point where my {$9000.00} limit is just not enough. I love my relationship with both Barclay 's and XXXX XXXX. I fly XXXX for all my personal and business flights that is how I found out about the card 2 years ago. In the last 2 years since I've been with Barclay 's I unfortunately have not received a credit limit increase. My payment record with Barclays is perfect, and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$9000.00} to {$15000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected so I will attach my credit card statements. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am also attaching my last XXXX flights that I've taken in the past 2 years with XXXX  using my Barclays card along with my bank statement that will show that I am more than capable of making monthly payments. I am hoping to hear a favorable outcome from Barclay 's. Please contact me if you need any information to expedite this process. I am looking forward to your reply.
Product: Credit reporting

Experian claims that I did n't respond to their previous mailing of my report for a dispute however a certified letter was mailed giving them my correct addresses and the correct spelling of my name. I then asked them for a fax number through my last cfpd complaint in which they did not respond so I found the fax number myself and sent that on XXXX XXXX, 2017 and I have my confirmation. To date any other addresses and incorrect names on my report remain and they are to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I printed my consumer reports for XXXX, Equifax, and XXXX. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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: Credit reporting

There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX
Product: Credit card or prepaid card

Date XX/XX/2022 Paid American Express Hilton ( AXH ) {$4100.00} On XX/XX/2022 I called American Express Hilton to explain the error, and explain to them that I meant to Pay ( AXH ) {$170.00} and {$4000.00} to my American Express Delta ( AXD ) I was told no problem we ( American Express ) can transfer {$4000.00} to your ( AXD ) and that it will take 24-48 hours. 

Today I looked and the credit is still on ( AXH ) 72 hours later. 

Called today XX/XX/2022 to ask what is the hold up. Now, American Express is telling me that the transfer is going to take 5-7 business days. 

I think this is a deceptive practice and all they are doing is collecting more interest on my ( AXD ) credit card. 

I asked how long does it take to refund my credit and they said 2-3 business days. 

So they can refund my money in 2-3 business days, but they can not do an internal transfer and that is going to take 5.-7 business days. 

I asked for my money to be returned ... but again I think this is deceptive practice and they are collecting more interest payments. 

I would like this researched because this practice is very unfair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX and equifax have been reporting wrong on my credit report. The truck was paid in XX/XX/XXXX. They are reporting that the payments have been late in November XX/XX/XXXX and XX/XX/XXXX. The truck was paid in XX/XX/XXXX no way it was late. I would like my credit score recalculated and fix asap.
Product: Student loan

I went to make a payment online on XX/XX/2018 for a future date and was unable to do so. I was unable to pick my payment date. However I can pick my payment date wheh I call and speak to someone in collections. I did go ahead and call and make a scheduled payment for XX/XX/2018. I addressed this with the customer service rep and was told that's just how it is at Wells Fargo.
Product: Checking or savings account

XXXX XXXX I reopen a claim with chase bank because XXXX dollars was taken out of my account. I was told the merchant had proof of delivery by signature of the customer and that was not factual also I submitted proof that I paid for fast shipping, the merchant apologizing for their delay and also the merchant delivery to the wrong address however chase is claiming there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 )  ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

I never heard of Portfolio 's Recovery before XX/XX/XXXX when I came home to a notice taped to my door about a lawsuit in a place where everyone could see what is going on. They never sent anything by mail that I owed them a debt nor did they use a carrier service to deliver the summons, and lied to the court about this since I was working from home at the time. I have no knowledge of this debt and this company has failed to provide physical proof that I was the one who opened the account and without this proof, I am concerned that this company is trying to use a lawyer to pressure me into paying money that I do not owe. This includes statements that well under Arizona law, they do not need to show proof as to who opened the account yet when the account was opened, I was a Florida resident and was a Florida resident until XXXX. Also, under the US Constitution, the 4th Amendment to the bill of rights clearly states beyond a reasonable doubt. In this case I am looking for physical evidence that I was the one who opened the account such as pictures showing me opening the account or the signed original copies of the contract with my handwriting on it. Without this proof,, how do I not know I am a victim of a scam. Even more disturbing, the lawyer also did not state the law either. Now, I am receiving phone calls non-stop from this company and from multiple numbers to the point where it is interfering with my job. I am concerned someone falsely created the credit card statements, this company is running a scam, or someone had stolen my information in the past, which I am very certain one of the three is the case and they are trying to collect on money that I do not owe. This company also continues to disrespect me because they refuse to use my married name.
Product: Mortgage

I have submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????
Product: Debt collection

Over the past three years, my personal data has been breached multiple times. This company contacted me regarding an alleged debt. I requested validation of the debt, but never received it. Despite this, the company continues to send emails and make phone calls, which is a violation of Section 1692c of Title 15 of the U.S. Code under the Fair Debt Collection Practices Act ( FDCPA ). According to this section, third-party debt collectors must cease contact with the debtor upon request until proper validation is provided.
Product: Prepaid card

Bank of America has yet to reimburse the checks they let get confiscated from my account all im asking is for them to fix this situation I know my information was stolen Bank of America know that there has been a female whos not me that has been stealing funds from my account so far most of my funds have been returned besides my XXXX and my XXXX I want resolution im tired of complaining I just want my money returned to me in peac without all of this hassle I need my funds to live and take care of my business here at my home Im behind because of the lack of help from this bank its horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unclear why my equifax score is below 800 but my XXXX XXXX score is over 800. I pay my bills ahead of time and have no late or missed payments. My fica score is around 833. I dont know how equifax came up with this score.
Product: Credit reporting or other personal consumer reports

The three major credit bureaus are reporting inaccurate information on my credit reports, sharing my personal information without my consent, failing to provide requested documents, not updating their information, and causing significant financial hardship, along with XXXX XXXX  and distress. According to IRS regulations, when a creditor charges off a debt, it signifies that they have ceased collection efforts and reported it as a loss for tax purposes, which requires them to file a 1099-C form. This creates potential tax obligations on the charged-off amount, despite the absence of any payment received. 
During my conversation with XXXX XXXX XXXX XXXX, I was informed that they are not obligated to provide certain information, claim to be exempt from USC guidelines, and assert that they are not required to file a 1099-C as a credit union.

Furthermore, the reporting of these charge-offs violates consumer rights under several statutes, including : 15 U.S. Code 1666b 15 U.S. Code 1681a 15 USC 1681a 2 ( FCRA ), which states that reports should only contain information regarding transactions between the consumer and the reporting entity.

15 USC 6802, which outlines the obligations of financial institutions concerning personal information disclosure, including " Opt Out '' requirements.

15 USC 1681b ( a ) ( 2 ), which specifies that consumer reports can only be furnished with the consumer 's written consent.

15 U.S. Code 1637, which requires creditors to provide clear and accurate information about credit terms before agreements are made.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request all documents related to the accounts you are reporting on my credit report. Please do not respond by stating that these accounts have been verified ; instead, send me copies of the documents you used for verification. If you lack documentation to confirm the accuracy of these disputed accounts, please delete them immediately as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.
Product: Credit card or prepaid card

On XX/XX/XXXX a merchant called XXXX XXXX XXXX had their transaction declined through my Chase Freedom card. I called Chase on XX/XX/XXXX to inquire about that. Earlier on XX/XX/XXXX, that same merchant tried to use my card and I filed a dispute and placed a stop payment on future transactions from that merchant. That explains why the transaction on XX/XX/XXXX was denied. For the dispute it has been resolved and the merchant refunded me the disputed amount easily. 

Now the problem is on how to remove the stop payment on future transactions from that merchant. I have been on the phone with multiple representatives from Chase Freedom and been rerouted to multiple departments so that I can remove that block. It's a shame how Chase is actually handling such issue. From customer service, to senior customer service specialist, to fraud security department, to dispute department, and back to customer service again. Endless rerouting and endless talks with different people and the problem isn't resolved yet. One rep asks me for very detailed verification information to another rep who doesn't know if there is a block on the card to another rep who doesn't have a clue why the transaction has been denied. Endless calls and endless stories. I NEED A RESOLUTION OR I WILL CLOSE MY CARD PERMANENTLY!
Product: Checking or savings account

In a letter dated XXXX, XXXX, XXXX  The Bank of America said they were closing my account because they have chosen not to service the type of business I was operating in which is odd because they are head sponsors of events in the same business which is XXXX XXXX   and also provide services for XXXX XXXX betting outlets. I could find no mention of the Bank of America ending their association with XXXX XXXX 

If it isn't already this kind of denial of service should be illegal for a publicly traded company. It creates hardships especially for small business where ever cent matters. It also requires establishing new relationship with another financial institution that may decide to do the same thing not long after going through the process of establishing an account.
Product: Money transfer, virtual currency, or money service

I sent {$1700.00} US Dollars which was the equivalent of {$1300.00} Euros to my daughter via Western Union and someone other than my daughter picked up the money.
Product: Checking or savings account

I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.