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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX/Macys is reporting that I had a 60 day late payment in XXXX of 2008. I have disputed this several times and have requested validation and proof that the payment was not made on time and I have not received anything back from them, but XXXX and XXXX are claiming that they verified the information which I know is false because I have never made a late payment with them. XXXX/Macys updated the information to XXXX stating the account was positive.
Product: Checking or savings account

I purchased some eBooks from XXXX using my XXXX account. ( my motivation was just that I wanted to read them, not particularly for any formal or academic purpose ). The computer made it appear as if I was going to be charge to my debit card. But my debit card did not have enough funds to pay for the eBooks. So, instead of denying the charges for the books, the computer decided to approve the orders and charge the cost of the eBooks to my father 's credit card, because of the fact that I had stored his credit card in the XXXX website when I had purchased some eBooks on his behalf in the past, ( like about six months ago ). The computer accessed his credit card without his authority and without me knowing that it was being used and then caused me to lose my debit card privileges with Wells Fargo Bank because of the stated policies of Wells Fargo about how the computer interprets the actions that appear to be some type of fraud. But the blame resides on XXXX because they did an act of deception by not informing me that my father 's credit card was being charge for the books that I thought were being charged to me.
Product: Checking or savings account

I am writing once again to urgently address the ongoing issue regarding my account ending in XXXX. The deposited checks, which led to the suspension of corresponding funds, are at the center of this matter. Unfortunately, I no longer possess the physical checks, as they were deposited via mobile deposit and subsequently torn. 

Despite attempts by the check writer to reverse the transactions, their bank, XXXX  XXXX XXXX, has refused to accommodate these requests. This prolonged ordeal has left me in a precarious financial situation, as the suspended funds are urgently needed. 

Considering the complications arising from the unavailability of the physical checks and the check writer 's unsuccessful attempts to reverse the transactions, I implore Wells Fargo to expedite the resolution process. 

Furthermore, if there are any legal avenues available to facilitate the retrieval of these funds, I request that they be explored without delay. Time is of the essence, and a swift resolution is crucial to alleviate the financial strain caused by this situation. 

I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory resolution. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I notified Experian Credit Reporting that my credit score was lowered to XXXX due to a debt balance of XXXX due to XXXX  phone company. They investigated and fixed the problem after I had contacted the phone company and they acknowledged that I did not owe any debt to them in my name. However after correcting my score they lowered it again and I have been going back and forth with Experian with them stating that I should contact XXXX  and they keep passing the buck so to speak. I noticed that they have my name AKA as XXXX XXXX which is my deceased father 's name and the phone debt is probably his. My full Name is XXXX XXXX XXXX and that is the only name I ever use in all my business and financial transactions. This is an ongoing problem as my credit has always been good and I have never had any delinquent accounts. I would like to have my credit report corrected and the responsible companies held accountable for their mistake.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.
Product: Debt collection

Email to CMRE dated XX/XX/XXXX : Dear Ladies and Gentlemen, I am referring to the call on XX/XX/XXXX when I spoke to you regarding the above mentioned Account. 

On this occasion I have been giving your customer service representative insight into the following circumstances : - l have been visiting the US as a tourist, - That I informed hospital staff that I would not be able to receive correspondence at the address you and they have on file as I was a visitor there, - and having in return been informed by staff that no further payment will be required, as the {$300.00} paid by myself was the standard flat charge for international visitors to the US. 

Based on this information, your service representative informed me, that the case will be placed into a dispute status and will be reviewed by a senior manager. 

Please let me know the outcome of this review. 



Email dated XX/XX/XXXX Dear Ladies and gentlemen, Referring to the account stated in the subject, I have tried to pay my bill 8 times. 

Again, I am not as US citizen, do not have a US address and the address you have on file is that of a friend I visited. 

After it being declined numerous times online, I spoke to one of your customer service colleague. They told me the issue was with my card issuer. 

I called XXXX XXXX subsequently, who added the US address you have on file to my account temporarily. Still, the charge is being declined by you. 

As you can tell, probably also from your records, I am very much trying to settle this matter, however, it almost appears that CMRE does not want me to pay! 

However, after multiple and very costly international calls at {$2.00} a minutes, multiple attempts to pay online, multiple email and multiple call to my card issuer XXXX XXXX, I do feel that I have tried all available options without any success. 

I thus feel that I have done my due diligence in trying to settle this account. 

Therefore, I would ask you to contact me with a proposal on how to settle this account. 
Please contact me within the next five business days either using the phone number below or by responding to this email. 
Phone : XXXX XXXX XXXX Please note that, should I not receive a response within five days, I will make the effort for another few costly international calls XXXX the US to file a formal complaint with your client XXXX XXXX XXXX , XXXX XXXX XXXX, your regulating authority as well as directly yourselves. 


The letters received by CMRE at my friends adress are uploaded as attachments. The first letter came out of the blue as I was completely unaware that I had any debt due to the statement the hospital made about a flat charge for international visitors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to Experian but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 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 XXXX instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized accounts linked to identity theft appear on my consumer report without my written consent or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial harm by misrepresenting my credit history and obligations. I am prepared to pursue legal recourse if this matter is not adequately resolved. These fraudulent entries have impeded my ability to achieve crucial financial milestones, including home ownership and providing for my family 's needs.
Product: Debt collection

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. , claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o Resurgent Capital Services L.P. they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o Resurgent Capital Services L.P. and original creditor anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a typed dispute letter to Transunion, for verification on an item on my report and information on the person they spoke with to verify information. They sent me back a letter to say that it was illegible but clearly it was a typed and also typed in a way that a person could read it. I did not submit to e-oscar verification or any other electronic method of verification so I am unsure how a clearly typed letter is illegible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Apple Account has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 it 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> NCCINC/NISSAN OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> GLOBAL LENDING SERVICE XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

about 1 week ago I got 2 letters from Bank Of America stating they were lowering available credit limit because of some past due amount. I don't use the card but checked into it.. it turns out some scam company ( XXXX XXXX Service out of California ) charged {$16.00} for what looks like a credit bureau report XXXX Bank Of America chose to wait 1 year ( XX/XX/2021 ) of compounded late fee 's until the amount surpassed {$500.00} before notifying me... They made sure to state that my XXXX score was XXXX and that it would be a shame to have a delinquent mark on my credit history that would lower it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion LLC, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Subject : Complaint Regarding Misleading Bankruptcy Information and Request for Verification Dear Sir/Madam, I am writing to formally file a complaint regarding misleading information about a XXXX XXXX that appears on my credit report. I am seeking your assistance in resolving this matter, as the information provided by an undisclosed third party is incorrect and does not reflect the actual court records. 

Summary of Issue : Disputed Information : I have discovered that my credit report contains information about a bankruptcy filing that is inaccurate and misleading. I have attached letter from the Court that show they have not disclosed any information of such or any kind to a third party. Hence, I am requesting the name and address of the source of this misleading information on my Personal credit report so I can sue them personally. If you're unable to provide the name and information of this third party, I request that you completely remove any occurrence ( s ) of Bankruptcy and data acquired from this party on my credit report.

Court Documentation : I have enclosed a letter from the bankruptcy court verifying that the court did not furnish the disputed information to the reporting agencies. This letter confirms that the information provided by the third party does not align with the courts records.

Request for Action : I request that the CFPB assist in verifying the accuracy of the reported bankruptcy information. Based on the enclosed court documentation, it is clear that the disputed information should not be present on my credit report. Therefore, I request that this incorrect information be removed.

Enclosures : Copy of the letter from the bankruptcy court, proving that the court did not furnish the disputed information.

Copy of my current credit report highlighting the disputed information.

Any other relevant documents that support my claim.

Desired Outcome : I kindly request that the CFPB investigate this matter, verify the accuracy of the reported bankruptcy information, and ensure that the incorrect details are removed from my credit report. I would appreciate a prompt response regarding the actions taken and any updates on this issue. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if any further information is needed. 

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

I contacted Transunion and XXXX on XX/XX/XXXX to notify them that they were reporting inaccurate information on my credit report. I also contacted discover to double check that my payment history was correct was up to date that i was making my payments on time 100 % they told me everything was up to date. Transunion and XXXX told me that they were going to take care of it but they didn't my refence number is XXXX i also told XXXX about a inaccurate inquiry reporting its by XXXX XXXX. these problems are messing up my credit profile and i need these items fix and updated. below is a screen shot of the reporting errors that i marked up