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

In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I have maintained a PNC Bank account since XXXX, XXXX and was placed in a traditional type of account with maintenance free checking, money market account and no fee ATM card. We had enjoyed that convenience for many years and even through several other bank offers. In XX/XX/XXXX, at the XXXX branch of PNC Bank, we were asked to change our account to a premiere or premium account feature with more conveniences and we reluctantly agree. Now, we just discovered that we had suddenly been charged {$10.00} money market account maintenance fee for the last 13 months because we were oddly required to come into a branch and change to yet another type of account or incur the charges. This is really very disappointing as it seems that now, the bank decides when to require its customers to physically come into a branch to change their account and quietly charge their accounts when they do not comply. The manager at the XXXX branch told me that since I just initiated the update today, they will refund only one of 13 months account charges. I need some investigation into this as this may be happening to many other customers. It is actually a glorified form of stealing from customers.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint regarding my attempts to resolve an issue with XXXX concerning inaccurate credit reporting and the failure to provide a required 1099-C form for a charged-off account. 

Here is a summary of the situation : Account Status : XXXX has reported an account of mine as " charged off '' on my credit report for several years. However, despite this reporting, XXXX has failed to issue a 1099-C form, which is required when a debt is forgiven. 
Attempts to Resolve : I have reached out to XXXX multiple times to inquire about this issue. 
Specifically, I have contacted XXXX in XX/XX/XXXX and XX/XX/XXXX, seeking clarification and requesting the necessary 1099-C form. 
Despite my repeated attempts, I have yet to receive a response or the requested form. The company has not provided any documentation or explanation for the charged-off status. 
Impact on My Credit : The failure to provide the 1099-C form or to resolve this matter has caused confusion regarding my credit report and has left me in a state of uncertainty about the true status of my account with XXXX. 
I have made every effort to address this matter directly with XXXX, but without success. I am now seeking the assistance of the CFPB in ensuring that XXXX provides the required 1099-C form and corrects any potential inaccuracies in the reporting of this account. 

Please let me know if any additional information is needed to assist with this matter. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXXXX 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 Bankruptcy Reference # XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau Experian is reporting an address XXXX XXXX XXXX, XXXX, La XXXX! This is not my address! Someone used that address and created it/ used it on my credit report!

The bureau is also reporting a credit card balance for a total of {$420.00} that I allegedly applied and got approved for by XXXX XXXX. This is fraud! Someone used my name and a fake address to apply for that credit card! This was not anything I ever applied for. I have tried to dispute this twice and havent gotten anywhere it is still reporting. This credit card is showing opened on XXXX XXXX, XXXX  and is still being reported as of now! 

Experian is also reporting XXXX collections that I allegedly applied for. 
The first collection is showing XXXX XXXX XXXX, aka XXXX XXXX reporting a balance of {$780.00} and that I allegedly opened the account XX/XX/2021. Sir or madam, I have never opened any XXXX XXXX  account! I have asked them to show me proof on plenty occasions and they keep giving me the run around saying that I can go inside XXXX and pull that information which is XXXX because they should provide me proof upon request! 

The second collection is another credit card being reported by XXXX XXXX, aka XXXX XXXX XXXX  for a balance of {$740.00}! Again someone used my personal info to open a credit card. I have never used this credit card as of my knowledge so please I need assistance with getting this deleted! I have tried to dispute these as well and in the comments ( in the photos ) below it shows proof Ive been trying to get this removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. 

Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. 

XXXX XXXX  XXXX Is in violation of my rights. 

15 U.S.C 1681 SEC. 602 A states that i have the right to privacy.

15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. XXXX  of them being American express on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
Product: Debt collection

I am filing this complaint regarding an alleged debt reported by XXXX XXXX XXXX and reflected on my Equifax credit report. I have no knowledge of this debt and have not been provided with any documentation to validate its legitimacy, despite my repeated efforts to dispute this matter. The continued reporting of this unvalidated collection account is in violation of federal credit laws and is causing undue harm to my creditworthiness. 

Violations of Credit Laws Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g Under the FDCPA, I have the right to request validation of any alleged debt. XXXX XXXX XXXX is required to provide clear documentation, including the original creditor 's information, the amount owed, and proof of my responsibility for the debt. 
Despite my requests, XXXX XXXX XXXX has failed to validate the debt, yet they continue to report it to Equifax. This constitutes a violation of my rights under the FDCPA. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i and 1681e ( b ) Under FCRA 1681i, Equifax is obligated to investigate and correct any inaccuracies in my credit report when notified. My dispute regarding this unvalidated account has not been adequately addressed.

Additionally, under FCRA 1681e ( b ), Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing XXXX XXXX XXXX to report unvalidated debt, Equifax is failing to uphold this obligation. 
Harm to Consumer Credit The inclusion of this unvalidated collection account on my Equifax credit report creates a misleading and inaccurate representation of my credit profile. This has resulted in a significant negative impact on my credit score and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX is reporting in correct information on my credit report I make on time payment and its reporting has late with all these fees and interest rates and caused damages to my credit reports In accordance with the fair credit act this creditor has violated my rights under 15us c1681 section 602 I have the right to privacy 15 us c 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 us c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose Looking at my report after my complaint the creditor has my account in current then reporting has late when I make timely payments On XXXX XXXX I made a payment on XX/XX/XXXX, I made another payment creditor has my account in current payment is due on XXXX XXXX reporting inaccurate/ incorrect account balance and payments and I got a notification from XXXX that my payments was reported late by XXXX
Product: Checking or savings account

Bank of America checking account has been active since late XXXX. 
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I presented my Driver 's license to make a third party check deposit. and was told my account was shut down on XX/XX/XXXX. I left and returned to get my account numbers and speak to the XXXX XXXX and get the number for the district XXXX of Bank of America. ler/manager stated it was shut down. I asked the branch what reason they would have to shut my account down. 

The branch XXXX gave me no information why the account was shut down or why I could not access the account or make a standard deposit or withdrawal. This major shut down caused a problem for me using my Bank of America Bank Card to pay my bills that day online. 

I called Bank of America XXXX number and their customer service line refused access to my account stating I was calling in on a different number than the number they had on file and I could not be " verified ''. 

I stated I had changed my number since my last transaction at B of A, and the rep then suggested I was not using my real name and still could not be verified. 

At the teller window at the bank location the teller did not think I presented enough identification. And I could be verified there either. 

I told them I did not have my social security card number with me. The picture XXXX driver 's license was not enough identification to make a deposit. And the account had already been shut in XXXX. 

This is a major problem. I went to the ATM machines and my card was refused. I went to change the PIN on the Bank Card and that was refused in the Bank and the existing pin I had was rejected. 

This made no sense, and I called Bank of America 's XXXX customer service number again and was refused all information on my account, claiming they did not recognize my name or call in number. Or that I wasn't using my " real and verifiable '' name.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report XXXX Dear XXXX XXXX XXXX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Mortgage

I am writing this complaint because of a huge mistake my mortgage company, Quicken Loan/ Rocket Mortgage XXXX made when they analyzed my XXXX taxes. 
I am on a XXXX XXXX XXXX with XXXX XXXX, XXXXXXXX XXXX to reduce my taxes. I was accepted to the program but not before my first tax payment went out. ( {$2800.00} ) When the second payment was sent out, it was much, much lower due to the adjustment they made by me joining the program ( {$340.00} ). This mistake has raised the mortgage payment almost XXXX XXXX monthly and basically negates the discount received from the XXXX XXXX XXXX. 

Rocket Mortgage used this number {$390.00}, instead of the {$340.00}, I think perhaps they read the number wrong, superimposed them perhaps. Either way, they used the {$390.00} for both payments and multiplied it by XXXX, making our total taxes for the year {$790.00} when in reality what was paid was {$3100.00}. By using the wrong numbers for the taxes then adding our insurance, they created a XXXX escrow shortage. The insurance amount was correct. 

They then sent an escrow analysis on XX/XX/XXXX showing the shortage for XXXX. When I called to make them aware of the mistake, sometime after XX/XX/XXXX, I was put off by the client relationship person. He basically said they paid, I have to pay, end of conversation. The second person I talked to didnt even want to listen to what I had to say and told me to send documentation to their servicing help center. 

I sent an email on XX/XX/XXXX, with documentation to their servicing help center, showing the error in their math and requested they write off their mistake as we as clients trust them to do their analyses correctly and accurately. I felt that this was their mistake and they should rectify it. I don't feel I should pay for their mistake. I should be able to trust my mortgage company to do their analyses accurately. I got notification on XX/XX/XXXX that they received my information. They sent a new escrow analysis which corrected the tax amount but still left me with a XXXX shortage. There was no apology, no acknowledgement of the mistake. I then sent the same info to the CEO of Rocket Mortgage Companies on XX/XX/XXXX, and have not heard back. 

In the meantime I get a call from their Senior research team on XX/XX/XXXX basically telling me that Rocket will never write this off as their policy is that they pay taxes and expect us to pay them back, and I am fully responsible for their mistake. He gave me options to pay back but to me paying this back is something I shouldn't have to do. 

I have had several mortgages over the years and none of those companies have created one error. My loan gets bought out by Quicken Loans/ Rocket and I have nothing but trouble from the get go. The trouble started the very first month and just snowballed over the years. At this point, this latest mistake is the straw that broke the camels back and thus my complaint. Now I wish I wouldve filed a complaint earlier. 

I have not attached any documentation to this complaint because Rocket Mortgage already has this documentation. I will gladly send these documents as amendments if the CFPB wishes me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of EDU LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX