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

IC Systems is reporting different information to two credit bureaus. I have attached the violations so you can see. This inaccurate information is causing me great stress. It is their responsibility to report information that is 100 % accurate and verifiable. They have various violations causing me to believe they have no regard to the credit laws that protect us. I was denied a refinance loan recently. Items like this make my life stressful. I have to put in long hours to fix what they should already know. Its abuse of power.
Product: Debt collection

Received a collection notice in XX/XX/year> regarding XXXXXXXX XXXX account. Filed complaint with you and collection notice was removed from my account. Today I received a notice that IC Systems was attempting to collect a debt. I contacted them and they said it was for XXXX XXXX. Again I am the victim of Identity theft. I filed a notice with Federal Trade commission. All of my credit reports are locked. No one checked to see that my credit was locked. After discussing with XXXX XXXX I was issued a PIN so no one can turn on power with out it. PLease have XXXXXXXX XXXX  remove this from my credit report. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Security Credit Services, has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. The said amount owed is {$970.00}. Please help me.
Product: Credit card or prepaid card

My Social Security card was activated and charges were put on the card before I could cancel the card by XXXX am on the second Wednesday of XXXX my check was gone except a few dollars. 
The charges were made at XXXX XXXX the store stated debit XXXX would have to contact them are the police department no one ever checked from the XXXX XXXX ever checked are followed up. They have said they would contact me I never receive the letters but they never send out letters and they have not put the money back. They have never contacted the store for videos. Then the last time I called they stated the claim was closed. I am going to call everyone because they did not try to investigate the theft of my Social Security Check from debit XXXX. XXXX XXXX, SS XXXX XXXX XXXX
Product: Mortgage

I have two mortgages with Wells Fargo. When I use their " Make a Payment '' function, I am able to pay one mortgage ( enter pay date, amount, acct from which the money is to be withdrawn ) without incident. And then when I try to make the 2nd payment, I get a " lost internet function '' message and that they can't process a payment at this time. 

This has happened several months in a row. I have no reason to believe that the loss of internet function is accurate. On two occasions, I forgot to complete my transaction later and incurred late fees as a result. I have also called their payment processing center to report this issue, but it continues nevertheless. Can someone please look into this? Thank you.
Product: Mortgage

The company ( First Direct Lending ) declined to close on my approved mortgage eventhough I have excellent credit and adequate income. They further declined to furnish a copy of my appraisal and refused to produce documentation as to why my loan that was previously approved, was declined or withdrawn
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the 2nd of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX.
Product: Credit reporting or other personal consumer reports

Despite being previous notified by a dispute ( XXXX XXXX XXXX XXXX ( XXXX... ) XXXX and XXXX ( Report Number : XXXX ( XXXX ) Experian willfully and knowingly violates FCRA 15 U.S.C 1681i ( A ) ( 4 ) and 15 U.S.C 1681e ( a ) ( b ), when the failed to " Modify or Delete '' the following account for " Inaccurate, incomplete, and outdated '' information contained in the report. Experian further violates by not ensuring that a " Reasonable procedure '' was used to verify the accuracy, completeness, current status of the account prior to sending the information to the XXXX XXXX " XXXX XXXX ''. 

The following information is provided as proof of the violations along with attachments. 
1. Address Identification Number Section : The account is reporting " Not Available '' in the " Address Identification Number '' section, which is inaccurate or incomplete.

2. Account History Section : The account history is reported as " No Data ( ND ), '' which is inaccurate and incomplete.

3. Date of StatuXXXX : The account is reporting " Date of XXXX XX/XX/XXXX, '' but the recent report was pulled in XX/XX/XXXX, indicating that the information is outdated and not reflective of the current status. 
XXXX. Date of First Delinquency : The account is missing the " Date of First Delinquency, '' which is essential for accurate reporting. 
XXXX. Closed Date : The account is missing the " Closed Date, '' which is necessary to reflect the current status of the account accurately. 
XXXX. Monthly Charge-Offs : The account is erroneously reporting monthly " CO '' ( charge- off ) entries. This ongoing reporting of charge-offs without resolution inaccurately portrays the account 's status and financial history. 

Not only does Experian continue to show a blatant disregard for complying with FCRA by providing " Accurate, Complete, and updated '' information, it further exasperates the situation by sending it to XXXX parties, and this information causes headaches, stress, and anxiety because of scores being dropped due to Experian non-compliance of correcting or deleting " Inaccurate, Incomplete, and outdated information
Product: Payday loan, title loan, personal loan, or advance loan

At the end of XXXX XXXX XXXX XXXX ( XXXX XXXX ) notified its account executives ( who manage relationship with retail insurance agents that sell commercial and personal lines ) that customer accounts created after XX/XX/year> would be charged a {$2.00} fee on each payment setup to be processed automatically by ACH. 

Prior to XX/XX/year> there was no fee charged on automatic payment for ACH payments. 

They updated the form they require customers to complete to setup accounts for automatic billing to notify customers about the {$2.00} fee on XXXX. 

Any customer accounts quoted prior to XXXX could be returned signed without the customer receiving notice of the change in fees, which would be added to the account later if the loan processing team at XXXX XXXX XXXX had to make any changes to the loan to activate a customer account and fund it. 

I was terminated from the company in retaliation for raising these and other concerns so I am unaware of any specific customer accounts impacted, but the company continued to onboard new customers accounts with the old form ( which did not mention the {$2.00} recurring fee ) until XXXX.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX DEPT OF EDXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX
Product: Student loan

Hello, I have my several attempts to contact fed loans, I have written several letter that has gone unanswered, called numerous times and emailed the ceo and nothing has changed or been updated. I was under the unemployment deferment program due to being hospitalized and I had no income coming in, fed loans still reported my loans late and caused my score to decrease over 200 points. Which has resulted in me not being able to be approved for housing due to having low credit score as well as recent late payments. I have until XX/XX/XXXX to find a place to stay with the recent late payments and low credit score it will be impossible to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accoun # XXXX *account # 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 fumish a account without my written instructions
Product: Credit card

the chime credit builder card by XXXX isnt reporting to the bureas properly. most other users have reported that theyve stopped reporting to XXXX around XXXX XXXX for me, they still have yet to even report to XXXX in addition to XXXX
Product: Debt collection

I always paid my mortgage on time and never missed a single payment since I started loans with them, but they calling, texting and emailing me even on Sunday,
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  file this complaint against ACS Education Services as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . Howeve r, ACS re ports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment. ACS Education Services has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as ACS Education Services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Ive been trying to resolve these inquiries since XX/XX/XXXX still havent received any resolution from Equifax these inquiries damaged my credit report Im not able to access funding because of my credit I would like them to be removed promptly
Product: Credit card or prepaid card

Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.
Product: Debt collection

creditor agreed to eliminate this debt when paid and is now appearing on my report as a paid collection
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are the names listed on my credit profile. Please remove them.
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have requested verification of my account details, specifically asking for proof of the periodic statements and the disclosures required under Section 1637 ( b ) of the Truth in Lending Act. I also requested evidence that these documents were mailed or delivered to me at least 21 days before the payment due date, as required by law. 

Despite my requests, I have not received the necessary documentation or verification. This lack of response and the failure to provide essential information are unfair, illegal, and fraudulent, and have caused me undue hardship as a consumer.
Product: Credit card or prepaid card

I am trying to close this account with Barclay 's.   I had trouble with them before - it was resolved, but not with damage to my credit rating - at cfpb  Case Number   XXXX .   I 've paid off the account, as you 'll see from the attached documents, and want to close the account.   I 've been VERY clear by mail, by phone.   Attached you 'll find an email that I just got today - showing that the account is still open.   Also, a confusing letter ( dated   XXXX   XXXX   ) about my " disputed '' amount of {$1000.00}.   Also, my correspondence to them - dated   XXXX   XXXX   and then another dated   XXXX   XXXX   XXXX  - asking to close the account.   I have also tried to call and that has proved unfeasible. The first time, I was disconnected. The second time, I was being transferred and transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is continuing in UNFAIR credit reporting practices by making it impossible to find out anything regarding My report, yet they continue updating negative reporting. 

EQUIFAX right now is negatively impacting my standard of life by reporting damaging, unsubstantiated claims and information ; deteriorating My character and ruining my reputation. 

1 ) EQUIFAX will not allow Me to log in online.

2 ) EQUIFAX will not give Me any information over the phone ... ( when I called and spoke with a rep she stated their system was down and to try again later. This was over 2 weeks ago and supposedly the system is still down, because I STILL can not login to My account via the equifax website ) 3 ) EQUIFAX, despite their " system being down '', continues to report a negative collections account which has already been discredited, disproved, and successfully removed from the other two credit reporting agencies.

4 ) Equifax also continues to report other unsubstantiated claims by alleged creditors.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such that in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$990.00}, XXXX XXXX XXXX balance {$560.00}, XXXX XXXX XXXX  balance {$1500.00}, XXXX XXXX balance {$600.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX {$0.00}.
Product: Checking or savings account

Between XXXX there were XXXX fraudulent transactions through XXXX pay XXXX Wells Fargo denied my fraud claim and they stated that my PIN number was used. I did not make these transactions so I don't know how my PIN was used. I tried to use my debit card to get gas and it was denied so I checked my account, saw the transactions and made a report right away. When Wells Fargo denied my claim I asked for it to be reopened and still did not get my money returned! I received 2 letters dated XX/XX/year>. One letter stated that the merchant has refunded XXXX to my account and the other letter dated the same day said that they were closing the dispute because my card and PIN number were used. No money was ever refunded to my account. It is impossible that my card or PIN number were used because the card was in my possession and I did not make these on line transactions. I have been with Wells Fargo for many years and have been happy with them until this incident.
Product: Credit reporting or other personal consumer reports

All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A. No permissible purpose XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent Source of information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  acct XXXX this account shows as late 30 days then charge off in XX/XX/2016 and again charge off in XXXX XXXX once a company charges off a account they can not continue to state it is being charged off again. there is 3 negative portions to this account that is against me. please remove this account from my credit report or i will pursue legal action against this company for still damaging my credit.
Product: Credit card

TL ; DR - USAA makes configuration changes that stop important services. 
USAA changed credit card companies but made the business decision not to fully roll over ancillary services such as text alerts ( e.g., for payment reminders, etc. ). Normally this would n't be as much of an issue, but the local post office has been mistakenly returning some of my mail for a few months now. Subsequently, I grew to depend on the text messages for reminders to pay the bill. One of my cards that I rarely use was not paid for three months and I got a black mark on my credit record now. Banking is a service, and when they make changes to their bank-end systems or change credit cards, I expect uninterrupted services that I 've come to rely on. I asked if they could remove this mark from my credit report and they declined.
Product: Student loan

I believe my loan with American Education Services is owned by XXXX XXXX. This is a loan that was taken out in 2004. I am now currently in school and have given them the information and they are still refusing to put me into deferment or forbearance. They raise my payment and interest rate every now and again too. I have attached some documents as well. I feel hopeless at this point and I have other student loans with a different servicer that are deferment. This is a small loan but it seems to give me the biggest problems.
Product: Checking or savings account

Hello US Bank, i filed a fraud claim on XX/XX/XXXX for MULTIPLE ATM Transactions on my debit card ending in XXXX. EVERY ATM WITHDRAWAL IN MY CHECKING ACCOUNT IS UNAUTHORIZED. 

Total Transactions : XXXX. 

The total amount stolen out of my account via ATM Fraud was over {$2800.00}. I have my new card number and stuff already coming to me in the mail.

Im not sure if every atm transaction was included in my fraud claim because i only received {$1600.00} back in Provisional Credit, i still havent gotten all my money returned to me and im not sure whats going on
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not accurate NCB Management Service please send me a validation of debt and also they are violating FCRA law