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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with XXXX and Equifax credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of  the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Product: Debt collection

Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXXXXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/2020 XXXX
Product: Checking or savings account

I added a new account link with Capital One last Friday, XX/XX/XXXX. I was instructed to wait for two small deposits to the new linked account to verify and validate the account. I did that after receiving the two deposits early on Tuesday morning, XX/XX/XXXX. I received confirmation that the account was linked. I then initiated a transfer, and received confirmation XXXX XXXX, XX/XX/XXXX. Soon after there was a message on all my accounts saying that Your funds are currently not available for withdrawal. Please call us at XXXX. I called immediately answered questions and was placed on hold for 34 minutes without anyone checking back with me. Then whomever answered asked me what she could help me with! Then another 36 minutes passed and I told that XXXX XXXX was blocking the transfer. I disagreed and said that was impossible and that no transfer that I have made previously with Capital One was ever completed within minutes. They have always taken days. I still validated with XXXX XXXX and they did not receive any funds transfer and they confirmed that they would never decline one. I set up the XXXX account on Friday, XX/XX/XXXX, and it took until Tuesday, XX/XX/XXXX for the funds to be received at XXXX, so what they are telling me on the phone feels very inaccurate. I was told I was talking to a supervisor, and she said they needed to confirm and validate my account with XXXX. I said ok and requested that she get back to me asap ( they also had asked for my phone number in case we were disconnected ). No one called me back and my accounts are still being blocked for my access. I reached out again yesterday, XX/XX/XXXX. No response. I am now receiving an email that they are stopping my scheduled payments that are do with my providers. I reached out again, and now to you also. I need help! They are impacting my livelihood and my personal credit. If my scheduled payments ( which Capital One provided confirmation that they would be made ) are not paid there are all kinds of repercussions. These are my funds and they have no right to keep me from them. Their non responses and failure to follow through with what they communicate is troublesome to say the least. I don't know what else to do. Please help.
Product: Prepaid card

I receive XXXX for my son on the XXXX. On XX/XX/XXXX I went to the atm to take out money. The machine said I was exceeding my balance so I checked online. Noticed that someone in XXXX had withdrew XXXX $ from my card. I had my card the entire time. So I contacted direct express immediately. Filed the claim for fraudulent transactions. They told me I needed to write a letter or wait for their paperwork and send it back. I decided not to wait and sent out my letter on the XX/XX/XXXX which the confirmed they received on the XXXX. To this day of the XXXX I have yet to receive their paperwork. I call them everyday and all they tell me is I have to wait for them to complete the investigation which will take 45-90 days to receive credit. I am being evicted from my home as this is my only income. I have done everything they have asked and no credit. They also charged me for a new card which is n't fair since I have my old one and charged me shipping.
Product: Debt collection

On XX/XX/XXXX I have received a letter from American Express Business credit card in which they thanked me for enrolling in The American Express Relief program for which I was expecting to pay on a monthly basis {$68.00} up to 12 months in order to bring back to XXXX  an initial due payment of {$880.00} Dollars. 
So far, 2 payments has been made in XXXX & XXXX of XXXX  for {$68.00} Dollars each. 
Even though I am in compliance with the original agreement they validated on XXXX XXXX 
The have abused their power of reporting to the credit bureaus by doing the following steps : 1- Closed my credit card services 2- Saying that my account is due and in collections XXXX- despised paying on time per their mutual agreement, they have been reporting in a negative way to the credit bureaus that the account remains unpaid, balance is behind 4- the most unethical behavior from a company that tries to offer competitive and reputable services, when in reality stings you like a serpent. 
5- they ruined my credit for this unethical way of reporting, abusing the trust of consumers Please help me out to resolve this issue! This behavior is fraud!! 

I called twice on the subject, they said call the credit bureaus when the credit bureaus stated it was up to them to fix it. 

Look forward to hearing from you on this request.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX On [ XXXX XXXX and XX/XX/XXXX ], Wells Fargo took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Product: Credit reporting or other personal consumer reports

Experian has put improper reporting on my credit report and I need for it to be removed. 
I have reach out to Experian to resolve my issue. The report number regarding my case is XXXX. 

I believe Experian has violated my right base on these Codes : 15 USC 1666b ; 15 USC 1681a ( 2 ) ( I ) ; and 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?
Product: Debt collection

In an attempt to collect a debt XXXX XXXX was contacted by XXXX XXXX to send communications to " XXXX XXXX '' for account No. XXXX. 
The account was tied to XXXX XXXX with XXXX ending in XXXX. 
XXXX XXXX has failed to provide any background documents relating alleged debt and any background documents giving her ( or XXXX XXXX ) the authority to attempt to collect an alleged debt for any entity.
Product: Checking or savings account

On XX/XX/2023, {$35000.00} was transferred from my savings to my checking on a scam, from a XXXXXXXX XXXX  telling me that wrong amount was sent and I need to do a wire transfer to give them the money back, they should have only giving me a refund of {$350.00}. Unbeknownst to me they were able to get into my checking/savings account and move my monies. I immediately called the bank the next day and explained what happened, they took report etc. I filed a report with the Police Dept. as well as the FBI. I did not do an online transfer of the {$3500.00}, that was moved. My online Chase acct did not shut down apparently and they were able to move these funds while I was at the bank, and unfortunately I didnt go back into my acct until XXXX, when found the error. 

The bank says there is nothing they can do. What is an FDIC if it is not to protect and help XXXX customers.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Product: Credit reporting or other personal consumer reports

I have been back and forth with XXXX and equifax on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.
Product: Checking or savings account

I've notified the bank that my phone number has been disconnected. The bank refuses to delete the phone number from my account. It's a security risk to have a phone number assigned to my account that might very well now belong to someone else. There is no valid reason to have a wrong phone number associated with my account. 

I think the bank believes that I got a new phone number because they tell me that I can get put on a do-not-call list. That's XXXX. I have have NO phone service. I'm not planning on getting phone service. I had to economize, and it was either the phone service or the internet. I kept the internet. 

The bank claims that they might have to call me. They haven't called me once since I opened the account, and there's no reason that might have to contact me by phone in the future. However, they have emailed me. They can email me if they need to contact me, use an online notification when I log in, or mail me a letter. It's XXXX, not XXXX.
Product: Credit reporting or other personal consumer reports

I am trying to get my credit score and report from EQUIFAX and XXXX but its showing error code " NH '', I can see my other scores but not EQUIFAX, I have been trying to resolve this issue goin on 2 years now and they keep giving me the runaround and ive sent the information they requested multiple times, sensitive information through mail at that. I just want to be able to access my EQUIFAX and XXXX report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and XXXX XXXX continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. XXXX XXXX has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with Experian and it is still being reported by Experian and has caused my credit rating to increase then decrease each time XXXX XXXX updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that XXXX XXXX is continuing to make entries on my credit report maliciously. I also feel that Experian has not researched the debt correctly and has continuously allowed XXXX XXXX to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.
Product: Credit reporting

Equifax is allowing the creditor to reage the account so that it reports longer than the FCRA allows. Previous evidence shows Date of First Delinquency XX/XX/XXXX with FCRA reporting of 7 years. By calculating 7 years of credit reporting, this account should report until XX/XX/XXXX. However, it is now XX/XX/XXXX and this account is still reporting until XX/XX/XXXX, which the XXXX has reaged the account in order for it to report longer than FCRA law allows. I have communicated with Equifax with disputes and with the creditor XXXX with no resolution ( exclusion from my credit file ). 

XXXX is reporting the Date of First Delinquency as XX/XX/XXXX which is the date of the charge off. The date of first delinquency per FCRA law is the actual date of first delinquency that made the account delinquent and not brought current ( which is XX/XX/XXXX ). The DOFD has absolutely nothing to do with the date that the creditor actually charges off the debt and gets the account off of their books. XXXX is using the wrong date to continue to report. It is as plain as black and white. Please make them understand the FCRA law. XXXX continues to be defiant of the FCRA law on this account to do me as much harm as they possibly can.
Product: Credit card or prepaid card

I have written it all our and sent in a good format to the cc company Capital One. But, what happened is, I charged a reservation to the card on approx. XX/XX/19 for a XX/XX/19 reservation date. When I saw the charge on my stmt I didn't recognize it and there was no phone # to call the " XXXX '' charge. I called and asked C1 if they could tell me, they said no, you have to file a dispute and they will send the info in a few days. When I go it on approx. XX/XX/19, I freaked ... '' it was my charge '' and I wanted it. On XX/XX/19 I called C1 and they said they would " submit '' this to the fraud dept to correct. I called and emailed XXXX with the Res # that I wanted to keep the reservation, they said ok once you re-pay and I had C1 re-pay. Then on XX/XX/19 XXXX sent me an email and asked for a " letter from the cc company that I had withdrawn the dispute ''. I again called C1 who said they never have done that and don't have the abilities to do that but all should be fine as it was re-paid. I spoke with XXXX to inform them of this and they said ok. It was re-paid on XX/XX/19. Then 2 weeks later on XX/XX/19 I received a cancellation of the reservation by XXXX, who now had my money and as of this date the reservation date has not even come up, so it is not that I did not show up. Which is the only way they can state that I loose my money right? I was very stressed and alarmed and called C1 and told them all, they said they would remove the charge from my account but they had to send me a letter to request my documents in order to complete the credit. I took them two more phone calls from me and another 25 days to receive their letter with the instructions. On XX/XX/19 I faxed them 19 pages as I have all this proof and believing C1 would then re-cancel the payment. In the meantime I had to make another separate reservation costing me again but believing I would get a final credit. C1 called me today XX/XX/19 and said it is " AGAINST THEIR POLICY TO ENABLE A DISPUTE TWICE ... or was visa/master cards policy ... ( she wasn't sure just said that was their position ) ''. That, ( if even true is ridiculous ) any such policy was never told to me nor do I see any such " policy '' in any written terms. And for either of them to charge me for a " FUTURE '' RESERVATION DATE THAT THEY JUST TOOK MY MONEY THEN CANCELLED MUST BE ILLEGAL '' Or at least correctable at this point. I HOPE AND PRAY THIS CAN BE CORRECTED AS AN INVALID USEROUS AS WELL AS VERY UNHELPFUL ASSISTANCE BY BOTH COMPANIES AND THAT I CAN RECEIVE MY COST BACK.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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