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

I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you ( Bloomingdales ( BL ) ) as a Data Furnisher and the CRAs ( XXXX  - today ). 

The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( Bloomingdales ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and XXXX XXXX. 
XXXX XXXX XXXX  XXXX & XXXX & XXXX & XXXX FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  FICO Ingredients, the source. FICO Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Bloomingdales is in acceptance of the demonstrative issues in this complaint, or any previous. 

I have attached a Document - with screen shots of the accounts and from XXXX. 

The DOFD/FACRA date, Pay History, Balance History ( or lack there of ), Available Credit ( on supposed Closed tradeline ), Debt To Credit Ration ( on a supposed Closed account - etc - are the complaints, and from a FDCPA - FCRA state with the Creditor/Data Furnisher and the the CRA 's. 


Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 

The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results Bloomingdales is saying is acceptable.
Product: Credit reporting

I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).
Product: Debt collection

I have received notices about my payments. I have had several phone conversations with Fay Servicing. 
XXXX XXXX XXXX XXXX To process a payment on XXXX I was told the payment was processed it will take a couple of days for the bank to release the money. .I called them back on the dates above and they said on the XXXX XXXX they were seeing the payment was received. I called back on XXXX because the money was still showing in my account. Fay Servicing notified me that my home was in foreclosure but she could not give me any information until Wednesday XXXX and I would be responsible for legal fees. I was informed that they had the wrong banking information for my account. And I need to make sure the information is correct. Although they put the information into the system I see where they had ben involved in class action law suites before and now I see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.
Product: Money transfer, virtual currency, or money service

I sent {$8000.00} to my friend using XXXX from my Bank of America account. The money was never recieved by her. I made a non-fraud request for further information and was told that they " could not retreive the money from the recipient ''. I know the reciepient personally and no attempt was contact her. She is also a Bank of America XXXX  and never recieved the funds. I need to know what happended to my {$8000.00}, I work hard for my money. The bank at no time tried to find out what has happened. 

CLAIM NUMBER # XXXX
Product: Debt collection

Reporting negative items on credit for XXXX XXXX, calling breathing over the phone not saying anything then hang up when I say hello. I have an old account with XXXX thats in debt, My wife added me on her phone line with XXXX I have same number from old debt. When my wife late paying late bill this collection agent violate me with punishment towards my credit. My wife account is different from my debt. They treat it as if its my account because of my number. Its unfair and unprofessional. Bullying tactics. Before account closed I tried making a payment plan XXXX denied my request.
Product: Mortgage

In XXXX I sold my house. BofA held a lien with a HELOC loan. My closing attorney requested the payoff and received what was described as a FULL payoff amount using words like total. They even showed how they acquire this number. 
The attorney paid the full amount as required and that was the end of my communication with the bank. There were no delays or changes. The payoff letter was dated XX/XX/XXXX and the payoff check cleared XX/XX/XXXX. 
My online and mobile app said I had a XXXX XXXX balance. 

I think everything is fine. Then in XXXX, I receive a letter stating that I have to show proof of insurance because I still owe the home with the lien. This is false. I sold the home. I had multiple requests for insurance information from BofA. So it appears the lien was not released. 
It is now almost XXXX and after at least XXXX attempts of staying on hold for nearly an hour. I finally got through to someone. They said that this is the early closure fee. I asked why this was not included in the payoff and they stated thats just how it is. So I never received a bill. This amount was not in the payoff and there was never any correspondence that I owed this amount. 
Today, XX/XX/XXXX, they told me the account was still open and they had no intentions of telling me this. They told me one day I would figure it out when I saw my XXXX score because of open credit. 
So my argument is, why was I never told I owed this money and why was this not included in my payoff? If this was owed, why was I not told. The only reason I know this is because I requested another payoff XX/XX/year> and the second payoff shows the closure fee of {$450.00}. 
This begs the question if this is a second payoff then is there still a lien on the property? Either way XXXX dont feel I owe the {$450.00}. It shouldve been included in the payoff because per the truth and lending act. I am owed an accurate and honest figure.. 
This is deceptive to the consumer. Unless I checked my XXXX score I would not know it exists. This is wrong.
Product: Debt collection

This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.
Product: Debt collection

I am writing to file a formal complaint against Key 2 Recovery , Inc., a debt collection agency currently reporting a collection account to the credit bureaus for a XXXX XXXX  ( now known as the XXXX XXXX XXXX XXXXXXXX ) debt. 

This debt is well over XXXX years old, and therefore should no longer appear on my credit report according to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite this, Key 2 Recovery and associated agencies have continued to re-age and resell this debt, keeping it active on my credit file and causing ongoing financial harm. 

I have reached out to Key XXXX Recovery by phone and explained that I was unaware of the debt at the time it was incurred, and due to financial hardship during the XXXX pandemic, I was unable to resolve it sooner. However, I have since attempted to resolve the matter through proper channels and have made multiple requests for the debt to be removed from my credit report. 

Unfortunately, those requests have been ignored, and the debt remains on my report inaccurately dated and actively damaging my credit. This debt has now passed the statute of limitations for credit reporting, and I am requesting that it be immediately and permanently removed from all three credit bureaus.

My Requests to the CFPB : Conduct a formal investigation into Key 2 Recoverys handling and reporting of this debt. 
Determine whether re-aging has occurred and ensure that all reporting complies with FCRA rules. 
Enforce the removal of the debt if it has been on my report longer than XXXX years from the date of first delinquency. 
Hold Key 2 Recovery and its partners accountable for harmful and potentially illegal credit reporting practices. 

This continued reporting has affected my ability to secure credit and housing, and I am now seeking immediate resolution and deletion of this account. I appreciate your assistance in ensuring fair and lawful credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I called Experian and XXXX spoke with agents requested to have the fraud alert deleted from my file. They told me verbally the fraud alert was deleted and it will take 48hrs or sooner to show. I get mail the following week from Experian and XXXX telling me they placed me on " XXXX XXXX alert ''. I DONT WANT XXXX XXXX ALERT ON MY FILE. I also requested to have addresses I never resided that are on my file deleted. I provided my ID, SSN, proof of address multiple times to Experian and they will not remove the inaccurate addresses, even after providing the documents they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an unauthorized inquiry on my Equifax credit report submitted by XXXX. I disputed it about a year ago with Equifax. Equifax told me that I needed to contact XXXX to address the issue. I wrote a letter as instructed to address the problem. XXXX sent me a letter saying that they had the inquiry removed. I contacted Equifax again and shared the letter that I got. I did not hear anything from Equifax. I called them and they told me to send the letter. I sent the letter and never heard anything about it and the inquiry remained on my credit profile to this day. 

I am appealing to you so that the record can be straighten.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted last year via email from Equifax that my personal information had been compromised in the breach and to fill out the form via email for the Equifax trustedid to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX XXXX  was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called XXXX XXXX XXXX and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by XXXX that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet Equifax and XXXX told me the account was verified. I asked XXXX/XXXX  for these supporting documents. After never receiving the documents that supported XXXX XXXX XXXX verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX  or XXXX. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX  or XXXX. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or XXXX. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or XXXX regarding this collection account. It had been over 100 days so i contact Equifax on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like Equifax that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

Aidvantage is still reporting to the credit bureau even though my loans were transferred to XXXX, and because of that my credit scores tanked. I'm no longer qualified for a mortgage loan because of that issue.
Product: Credit card or prepaid card

XX/XX/XXXX : I contacted Chase about XXXX XXXX XXXX XXXX  credit card ( current account ) which was upgraded from XXXX XXXX XXXX Credit card ( former account ) in XX/XX/2018 per email and USPS promotional materials. 

I reviewed my XXXX XXXX  loyalty account and noted that I was not receiving XXXX XXXX Credit for each {$3000.00} in purchases that I made. 

I have talked to representatives from Chase twice today and a phone message indicated that the call was being recorded ; I also spoke with representatives from XXXX XXXX. 

Both Chase representatives indicated that the " Terms and Conditions '' for my former account, Premier, contained both # XXXX  -- " Each calendar year a maximum of 15 XXXX XXXX  credits will be credited to one of your XXXX Loyalty Program accounts .... '' and # XXXX -- " You will earn 1 XXXX  XXXX credit for each {$3000.00} in Purchases. '' Both Chase representatives confirmed that the " Terms and Conditions '' fora my current account, XXXX XXXX, contains a provision similar to # XXXX but does not include a provision similar to # XXXX. 

I indicated that the elimination of a provision similar to # XXXX was not communicated to me around the XX/XX/2018 timeframe when I had several discussions with Chase representatives about the benefits of an upgrade to XXXX XXXX. Never did any of the Chase representatives indicate that I would no longer earn " XXXX XXXX  XXXX credit for each {$3000.00} in Purchases. '' The loss o this feature means that to date I have not earned some 3-4 XXXX XXXX credits, which if added to my XXXX Rewards account would aid me in accumulating enough Elite credits to enable me to reach XXXX XXXX   or XXXX XXXX status. 

Chase has been misleading in encouraging an upgrade, for an additional {$10.00}, with an ability to earn more points but eliminating the ability to earn XXXX  XXXX   credits. 

Today a Chase representative politely informed me that since it was 60 days beyond the date of the upgrade, " Chase had no ability to reverse the product change '' that was made. 

I am disappointed by this bait and switch tactic used by Chase and seemingly encouraged by XXXX.
Product: Debt collection

This is in regards to XXXX XXXX account on my credit report. Since it is listed as written off/profit and loss/ charge off, they were supposed to provide me with a 1099-C so I could write it off as income. My report shows I still owe money even though it was written off. Please advise
Product: Credit card

Kindly examine the enclosed documents. I am urging the bureau to commence an investigation into these accounts where I have always been on time, but they are erroneously marking me as late.
Product: Credit reporting or other personal consumer reports

Collection Agency Name : XXXX XXXX Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Checking or savings account

This involves the CFPB lawsuit filed against Capital One XXXX on XX/XX/XXXX. 
I have been an account holder with Capital One since they took over the accounts from XXXX. 
I had a XXXX XXXX account before and after the XXXX XXXX XXXX account launch in XXXXXXXX XXXX XXXXXXXX. I can attest I was never informed that the new accounts were available nor did I ever receive and email or any other correspondence that they existed. 
However, it's important to note that Capital One is constantly sending emails to apply for loans and/or the flash page that pops up when logging in to add browser add-ons so that they " can find me the best deals on the net '' when I am shopping. Even offering a {$45.00} credit to do so. They had no problem sending notices of other changes over the years with changes they made to the checking account I have. Yet with the XXXX XXXX savings account to earn alot more interest accounts... XXXX received nothing! This situation is particularly disgusting because Capital One does not offer the original savings accounts anymore. Why didn't they just switch everyone automatically? 
That to me is deceit and fraud! 
I'm not wealthy by no means but I feel completely taken advantage of as I had quite a few thousand dollars in that account, that come to find out recently via the news, should have been earning a lot more interest that what it did. 
I am completely disgusted with the practices of Capital One. I opened a XXXX XXXX XXXX account on XX/XX/XXXX upon learning of the lawsuit while I shop for another bank to do business with. 
I will be leaving Capital One asap. 
And I have every intention to find a lawyer to file a class action suit.