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

This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected ore deleted as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>
Product: Checking or savings account

A Bank of America XXXX XXXX account was opened under my name without my knowledge on XX/XX/23. I received an email saying that an application for the account was submitted and approved. I immediately called Bank of America and reported the activity as fraud.
Product: Payday loan, title loan, or personal loan

InXX/XX/XXXX I received a loan from my quick wallet. They sent the payment through to my account, before the funds where available for pay back which caused me a nsf. I called them to see if they were willing to move the date out just one day so that this issue would not happen again. I was disappointed by the disrespect everyone was giving to this matter and they refused to refund me for the nsf fee and to move the payment to the next day. I than contacted the Alabama state banking department. Which they advised me that this company should have never given me a loan, they advised that they are not legally able to give loans in the state of Alabama and that they go after companies like this. We where not able to find an physical address on this company, I was advised because they typically break the rules and wont give out there address to be sued. I was contacted on today XX/XX/XXXXby a very rude gentleman by the name XXXX XXXX if that is his real name he advised that they were indeed not legal to do loans here but can do to travel laws. This indeed does not pertain to the state of Alabama, he also refused to provide a physical address. I advised him to never call my job again and he stated he will still call the number for ever. Then stated he was joking after I confronted what he said. This was pure harassment. I did not appreciate the harassment and the overly rudeness. He also kept threatening about it moving to the next stage could result in an illegal loan being on my credit.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened with this company in XX/XX/2018an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

I opened a credit card XXXX years ago with CITI. They promised to give me AA rewards for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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, credit repair services, or other personal consumer reports

The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX  that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX  and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX  removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.
Product: Money transfer, virtual currency, or money service

Signed up for a business account the account was not approved but went under review then they approved my account with limits which was fine I used my account accepted a payment for a job I did and everything was fine. Then I received a bigger payment for XXXX that I worked all week for a job and they put my money on hold and froze my account which is totally unacceptable my account should of never been approved int he first place if they weren't going to offer me to use PayPal for business services so at bare minimum I want that money refunded to my customer or let me withdrawal my money and close my account I won't ever use your service again
Product: Debt collection

THE BUREAUS and XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXXXXXX XXXX XXXX XXXX has violated my rights Account name : XXXX  # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX has violated my rights Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX has violated my rights Account name : XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights Account name : XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX, I have sent XXXX faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion report number XXXX I have notified Transunion in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting XXXX XXXX XXXX and XXXX   XXXX XXXX  on my credit report.These accounts are inaccurate and must remove for violation. 
I do not understand how its Transunion opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Transunion get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes.

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received two text messages stating they were from CITIBANK The first, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, stated that there was unusual activity in the amount of {$130.00}. XXXX from XXXX XXXX and that card was put on hold to block charge. Gave website http : //secured04-citibank.com/secure/citibank/index The second, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, repeated that my card was suspended and that I could not view statements and notices online until I verified my Citibank account at XXXX secured. Failure to verify within 24 hours would lead to permanent suspension on the account.
Product: Credit reporting or other personal consumer reports

There are many Hard Inquiries which I did not authorize and many incorrect accounts in error reporting on my consumer reports
Product: Credit reporting or other personal consumer reports

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

I sent payment in full, my payment was refused. Now my car is repossessed.
Product: Credit card

On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.
Product: Mortgage

Servicer did not pay my Property taxes for XXXX. I have FHA escrow account. I XXXX XXXX ended Forbearance on XXXX XXXX I notified Servicer I was able to resume regular mortgage payments. I qualified for Partial Claim on XX/XX/2021. I signed documents on XXXX. Called once a week for updates. On XXXX was told my partial claim was denied and was verbally Threatened Forcosure Proceedings will start Immediately and was also told ( By the way you are behind on your Escrow XXXX ) Tax Due is XXXX Past Due, in the ReD. I verified this with County Tax Accessor. In Danger of Tax Lien, penalties, fines in XXXX. 
Mid America Mortgage has been uncoperative from the beginning of Forbearance. 
Also was told I need to pay lump sum to avoid Forclosure. Servicer has updated total amount with interent, fees, other charges on Statement. No other options were offered. 
I also made a mortgage payment for XXXX for XXXX. Not Credited to XXXX Mortgage. 
1. mis-allocated payments- used for other accounts. 
2. Lied about having paid Property taxes. 
3. Intentional Harm to force Forclosure.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX I AGREED TO THEIR SERVICE IN THE AMOUNT OF {$3400.00} to be paid over 12 months. Two days later I cancelled this service and called their loan service company and informed them to cancel the loan since I was canceling the service with this company. I am presently receiving robo calls from Commenity Bank who took over the outstanding loans from XXXX XXXX  I never received any notice from XXXX XXXX or the Loan company about Non-Payments but many months later I started t receiving robo call ( three times a day ) I explained to Commenity Bank that I never used the service and was informed I had t call XXXX XXXX so they would confirm what I was claiming to be the case. After several attempts calling the manager no one at XXXX XXXX returned my calls. 
Now my credit rating with XXXX has declined 40 %. I have no outstanding debts pay all my bills at the end of the month promptly. My credit rating is rated good but before it was very good. I blame commenity Bank for my credit rating dropping,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again for the third time in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct all the negativity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX