23daVinci/CFPB_Complaints huggingface dataset:
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 as a Data Furnisher ( XXXX - XXXX ) and the CRAs. 

XXXX  - XXXX, is the Tradeline 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 ( XXXX - XXXX ) 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 e- cfr. 

https : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA. 

XXXX 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  XXXX Ingredients, the source. XXXX 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. XXXX - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. 

I will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. 

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. 

XXXX in theory verifies the true expected results XXXX is saying is acceptable. 

See attached, for specific complaint details. 

This complaint is based on FCRA and FDCPA. 

Metro2 guidelines are the standard. 

DOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX  XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a complaint against Equifax. Since that time, Equifax was supposed to be verifying that the information on my credit report was accurate. Unfortunately, after I filed the complaint, my credit score has dropped nearly 30  points, as opposed to the other 2 credit bureaus ( XXXX  and XXXX  ) who both have increased my credit score. There was no reason my score would have decreased so drastically only out of retaliation from my complaint. I have also had a secured credit card with open XXXX  XXXX  XXXX  since XXXX. Equifax has failed to acknowledge that on my credit report now. I lost my credit card in XX/XX/XXXX, and was reissued another card, but Equifax doesn't acknowledge my positive payment history over the last 2 years. Each month my credit with Equifax has dropped, with Equifax and I am unsure why. My credit score with Equifax is XXXX, there is a nearly 70-123 score difference. Equifax also continues to have an address on my credit report that is a fraud alert, as I have never ever lived at the address!!! ... .This is a continued reluctance on the part Equifax to do its due diligence and report accurate information on my report. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Debt collection

I am receiving frequent phone calls from a number that is registered to a debt collection agency. When I answer, there is no one on the other end - there is just silence and the call ends. When I do n't answer, no voicemail is left. I do not owe any debts - my credit history is spotless. I do n't know how to get these phone calls to stop - I 'm getting them on the weekends as well. I tried calling back and received an automated message to " please wait while we connect you. '' I hung up after 5 minutes on hold.
Product: Credit reporting or other personal consumer reports

As of XX/XX/ the following accounts with XXXX XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX XXXX XXXX XXXX Case # XXXX According

to 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related
finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY TRANSUNION REPORT AND XXXX THAT HASN'T BEEN REMOVED. TRANSUNION ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I have XXXX credit line on my Capital One Savor card. I made a payment that was process on XX/XX/XXXX. It is now XX/XX/XXXX and i still do not have the available credit reflecting $ 500+ that was that was recently paid via deduction out of my bank account 4 days prior. I called the company and rep XXXX said we need to confirm with the bank the are close. I pleaded that all my accounts are in good standings. O balances never had a late payment or a rejected payment. Ive been a cutomer for over 6 years so why is there a hold on my account. All i get is " because its a new card '' my 5th capitla one cpital one card btw. I said you guys process the payment on your end as well. Why is my available credit on hold? Asked to speak with a manager -- XXXX XXXX Have no idea what customer service is all about. I want to cancel all of my credit cards with them over this. If i csnt get my available credit today im cancelling all services with Capital One
Product: Credit card

I paid for a service and it was cancelled, and I showed proof of refund but the credit card hasnt done anything to help me resolve this dispute favorably.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022, due to loss of employment due to the pandemic, I was over 30days late in XXXX with my payments for my XXXX XXXX Account I was 30 days late in XX/XX/2022. I have sent 4 letters to Management and The CEO. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then I can sue them for damages.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now, I have been trying to clean up somethings on my credit report by disputing through the credit reporting companies and every time my scores drop extremely! Today I lost 29pts because I disputed to have some accounts removed but they still remain on my credit report so why did I loss 29pts for something that didnt change. I pay all my bills on time my credit score should be at 650/ 700 I have lost so many points just trying to fix my credit. I feel like we as consumers we are being treated unfairly for trying to fix things in our credit reports. This is unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to follow up on my recent dispute regarding the accuracy and completeness of certain accounts on my credit report. The accounts in question are as follows : 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I appreciate your attention to this matter and would like to inquire about the status of the investigation into these disputed accounts. If the accounts have been verified as accurate and complete, I kindly request that you provide me with the following information : 1. The specific details that were verified for each account.

2. The source of the information that was used to verify the accounts.

3. Any supporting documentation that accompanied the verification process. 
Understanding the details of the verification process will assist me in addressing any remaining concerns and ensuring the accuracy of my credit report. It is my right under the Fair Credit Reporting Act to receive this information, and your cooperation is greatly appreciated. 
If the investigation is still ongoing, I request that you provide an estimated timeline for the resolution of this matter. I understand that thorough investigations take time, and I appreciate your commitment to resolving this dispute in a fair and timely manner. 
Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

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

1. XXXX / Account # : XXXX has violated my rights. 

2. XXXX XXXX / Account # : XXXX has violated my rights. 

3. XXXX XXXX Account # : XXXX has violated my rights. 

4. XXXX XXXX / Account # : XXXX has violated my rights. 

5. XXXX XXXX / Account # : XXXX has violated my rights. 

6. XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Wrong Name And Adresses. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

On XX/XX/year> I applied for a Barclays XXXX XXXX XXXX. I was notified that in order to get approved I would need to send in a copy of my drivers license, my social security card, and a utility bill or bank statement. I sent in those documents and was approved for a {$1000.00} credit limit. After I received my credit card a few days later on the XXXXXXXX XXXX XXXX XXXXXX/XX/year> my card was blocked for purchases and charges. I was then notified that in order to remove any blocks or restrictions that I needed to send in ( the same documents I sent in to get approved ) A copy of my drivers license, social security card and utility bill or bank statement and a XXXXXXXX XXXX tax form to verify my income with the irs. On XXXX I faxed the documents again for the 2nd time. However after 3 weeks out of the 7-10 business days review process that I was told the review process would take didnt get any notification but was told that the documents werent valid ( the same documents I sent in to get approved ) and to faxed them over again. Ive called multiple times throughout the day because I know how negligent they were in reviewing and securing my personal documents the first time that they were going to neglect them again. Therefore after a certain time the review process expired. Which is why I had to send over my personal information again only to get lost and not reviewed. There holding on to my personal information, neglecting resolve any issue thats going on with my account which is not allowing me to use my credit card. Its XXXX and there still isnt any updates every time I call the agents tell me that its still being reviewed. Several agent have sent emails to the department thats handling my review but theres no further updates. I even was criticized by an agent for calling from a different number other than the home number thats on my profile. Im concerned that my private and personal rights as a consumer my information has been mishandled and violated by Barclays XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

Bank of America claims they are not able to verify information given about identity. I applied for a checking account on XX/XX/19. The application process for the checking account included providing DOB, SS, ID number and address information. I also went through an additional verification process wherein I answered questions related to my identity regarding past addresses and financial information that would be known only to me. After providing this information, I was immediately notified that I was approved and also received an email that stated my account had been approved, which had account terms and conditions attached to same. I was immediately prompted to create an online account where I had access to my account and routing numbers and was offered an electronic debit card. A physical card was also mailed to me and I was notified of same on XX/XX/19. I visited a branch on two occasions and presented valid government issued ID, which was verified by a teller on both occasions and scanned into their system for verification, yet on XX/XX/XXXX after account opening there is an error message when I try to login to online banking telling me my account is locked and to call XXXX. Upon calling this department I am notified that my account has been closed and that I can only get my opening deposit back in the form of a check by mail, which was a lie, because I was able to go to the branch and withdrawal the funds. I even received emails asking me to rate my visits to the branch. I have called this number back 3 more times and asked for the reason why they tell someone they are approved when the application could still be denied, they have refused to provide me the contact information for the department that made the decision to close my account. Held on the phone for a supervisor for an hour and 10 minutes, only to be hung up on because they closed for the day. I still have not received electronic written correspondence regarding the closure and no one I have spoken with will tell me why and when pressed I was told it was internal information that they do not have to provide. In the past if a bank could not verify my identity I was asked to provide it. Apparently Bank of America 's process is close the account first, then make the customer who applied and was approved online to go into a branch and go through the entire process again for a whole new account, eventhough the customer has already been in the branch and used the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.