23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX said there was an account opened in my name on XX/XX/XXXX. Since then no payment has been received on their end and they are reporting my account as delinquent. Today, XX/XX/XXXX, I received an email from my credit monitoring that I had a delinquent account. When I called XXXX they told me all this information and to remedy this I needed to file a complaint with the FTC first before they will be able to do anything. Once I received information from this complaint I have to give it to XXXX and they will open their own investigation into this.
Product: Debt collection

Equifax has a collection on my credit from XXXXXXXX XXXX XXXX XXXX for the amount of {$2100.00}. I have no idea whose debt this is but it is not mine. I even tried to contact the company about someone elses debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX  and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes Identification of the specific information being disputed Transunion, XXXX  and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX  is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On XXXX  Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the Close Date Transunion is reporting XX/XX/XXXX as a close date while XXXX  and XXXX  are not reporting a close date at all. For Date of Last Activity, XXXX  is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX  and Transunion are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance XXXX  and XXXX  are not reporting anything while Transunion is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/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
Product: Debt collection

Portfolio Recovery is reporting on my credit reports a debt they say I owe of {$430.00}. After two letters asking them to validate this account with viable evidence, bearing my signature that this account is mine, they have not complied and repeat saying the debt is mine. I requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them and they ca n't come up with any documents. Furthermore, I have requested they make this account disputed on my credit reports but they have not ( copy attached ). If they can not validate this debt then it is a violation of the Fair Debt Collection Practices Act and they must delete all reporting of this account to all credit bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how XXXX is able to 'verify ' anything with original documentation. I am nervous that they are using the XXXX system to verify the claim, and I did not consent to that at all.
Product: Mortgage

XX/XX/XXXX - 1 call XX/XX/XXXX - 10 calls XX/XX/XXXX - 2 calls And these are just the ones I can track on my phone. There are many more from earlier dates! They just wont stop hassling me! 

I have repeatedly told these people I am not interested in refinancing my home. I have repeatedly deleted emails from them. I have blocked their number on my phone and still they keep calling and leaving voice mails.
Product: Bank account or service

On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$5300.00}
Product: Mortgage

My Mortage is held by guild mortgage. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to the credit bureaus. I have received emails saying they are going to investigate ; however, nothing is ever updated and my credit report is still reflecting old data. Monthly payment should reflect XXXX but is still reflecting {$3400.00}. In XX/XX/XXXX, I was told it would be updated XX/XX/XXXX and as of XX/XX/XXXX, credit report has not been updated. This has affected by buying power and has violated my rights under FCRA and possibly TILA and UDAAP. Every time I speak to the company, they say wait until the next month for the update to be reflected. I have email communications with Guild to prove this.
Product: Checking or savings account

I have the cash app I had money on their for awhile like XXXX  dollars I never used it on anything then my wife wanted to see ake it off the app When I went back to look at the balance they show XXXX as the balance I have bank statements to show the money still their never spent I've been trying to make a complaint but they keep me in a circle asking same info over an over I'm really tired of this game Ready to take legal action against them This is kinda like the last reach out to them
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A states that 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 an account without my written instructions
Product: Credit card or prepaid card

A credit card was opened in my name on XX/XX/2022 from Bank of America. I called on XX/XX/2022 when I noticed my credit score had dropped due to hard inquiry in my name.I was told I could close the account because I did not authorize or apply for the card, so I did. I have a XXXX point due to this fraudulent account. I need to get this removed and to no longer receive mail from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

My wife and I opened an account through TD Bank, NA XXXX Renovate in late XXXX. I began making payments and in XXXX of XXXX made XXXX payments ; which made it so I was paying on the balance a full month before the payment was due. On XX/XX/XXXX a payment was due and I had already paid it on XX/XX/XXXX. I went online to make a payment again on XX/XX/XXXX ( for the upcoming XX/XX/XXXX bill that would be due XXXX and discovered TD Bank applied a {$25.00} late fee to my account. When I contacted the bank, I was told by a representative that as far as the company was concerned, I had just made an extra payment during one billing cycle and they didn't recognize it as paying ahead or paying prior to the upcoming due date. The representative told me if I didn't pay it exactly how they told me to, one payment per each defined billing cycle, then TD Bank would continue to assess late fees against me. The representative agreed to reverse the late fee " as a one time courtesy '' ( their words ) even though, as I pointed out to them, I had not made a late payment and was actually a month ahead on my payments. 

I believe this company is engaging in predatory practices. They are punishing me for attempting to pay off my balance ahead of time and for trying to keep ahead of due dates by paying early. Also, as part of the agreement, it is a requirement I pay the balance by a certain date and with no late payments in order to avoid accumulated deferred interest. I believe TD Bank, NA is trying to use this practice to say I made a late payment so they can then assess all of the deferred interest charges against me and raise my rate from 0 % to the extremely high interest rate the card normally carries.

I have had countless other loans in the past thirty years and have used this same method to pay them off early and to avoid missing or being late on payments ; no other company has EVER told me I couldn't make early or extra payments and they certainly have not tried to assess fees on me for doing so.
Product: Credit card

USAA has been consistently reporting higher credit card balances to credit reporting agencies than it is showing/making available for payment... 

I've emailed full evidence of this to the CEO, and his execs have been contacting me periodically over the last month or so looking at the issue, but denying they're misreporting... Despite the clear and present evidence I have given them proving it... 

The net impact has been somewhat lower credit scores because I generally keep my balances low by paying them down at least twice per month... But during months when I make very large purchases ( antiques, rare coins, and other collectibles ) near the credit card balance reporting date for my account, this would have very large impact on my credit score... Therein it really only impacts those who actively manage their credit card balances to keep them low... 

The problem looks like it's being caused by their system allowing pending transactions to clear ( but not post to the visible/payable balance ) during business days, instead of at night for the next business day... The fix would be to recode their system to finalize pending charges after XXXX  so the balances match...
Product: Debt collection

A. 
AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN ENHANCED RECOVERY COL ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I called XXXX and I called Equifax could not speak with anyone at Equifax for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin with
Product: Debt collection

I've been trying to fix my credit since since 2016 I was XXXX and I find out that my identity was used
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE COMPLAINT* This complaint is in response to Complaint # XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the reporting of late payments on my account. It has come to my attention that the late payments you have reported to the credit bureaus are in direct violation of the provisions outlined in the United States Code, specifically 15 USC 6802.

According to 15 USC 6802, it is illegal to report inaccurate or incomplete information to credit bureaus. Furthermore, Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the consent of the individual concerned. In light of this, your disclosure of my account 's experience or transaction information to the credit bureaus, who are non-affiliated third parties, also violates the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I have discovered that your company has incorrectly reported late payments for my account. This incorrect reporting has had a significantly negative impact on my credit score and overall creditworthiness. Not only is this a violation of 15 USC 6802, but it also contravenes the FCRA, which mandates the accurate reporting of credit information by creditors.

In accordance with the aforementioned legal provisions, I hereby demand that you immediately update the status of my account with the credit bureaus to " paid as agreed '' within four business days from the date of this letter. Failure to comply with this demand will leave me no choice but to pursue legal action against Apple Card for each violation under 15 USC 6802 and the FCRA. Please Note : Company policy does not supersede federal law.

Please be advised that if I am forced to take legal action, I will seek damages of {$1000.00} per violation, as provided for by the United States Code and the FCRA. I strongly believe that the accurate reporting of my account 's status will rectify the damage caused by your company 's incorrect reporting and restore my credit profile to its rightful state.

To ensure a prompt resolution, I kindly request that you acknowledge this letter within five business days and provide written confirmation of your commitment to rectify the reporting errors. Additionally, I expect written confirmation from the credit bureaus regarding the updated status of my account within ten business days.

I trust that Apple Card, as a reputable financial institution, will handle this matter with utmost urgency and in compliance with applicable laws and regulations. I hope we can resolve this matter amicably without resorting to legal measures. 

Thank you for your immediate attention to this matter. I anticipate a timely and positive response from you. 

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

TRANSUNION, XXXX  AND XXXX  HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.
Product: Bank account or service

I am a former customer of Bank of the West ( FDIC # XXXX ), who spent much of XXXX and XXXX attempting to close my personal checking account. I initiated phone communication with Bank of the West on XXXX XXXX, when my bank was in good balance, and was immediately thrust into a bureaucratic nightmare. When I called the XXXX number, I was informed that I had to speak with the branch at which I opened the account. As I have moved away from XXXX XXXX, where the account was opened, I found myself with no recourse but telephonic communication. 

I attempted to call the branch at which I opened the account, and was put off, despite multiple tries, by the manager 's unavailability. Each time, I was promised a return phone call. No call was ever forthcoming. 

The account was in good balance until XXXX XXXX, at which it became overdrawn. I promptly deposited {$30.00} into the account, with the intent of establishing a positive balance, but was immediately swamped with overdraft charges. Simultaneously, a previously scheduled XXXX charge XXXX XXXX/XXXX/15 XXXX went through on the account, despite my attempts to get XXXX to remove the charge. Still, I believed this would be fine, as I had deposited enough money in the account to cover the charge. What I did not realize is that Bank of the West 's egregious grift had all ready eaten in the money that I had deposited. 

While this was happening, I was still making attempts to contact Bank of the West at their XXXX number and at the branch where I had opened the account. There was no traction with the XXXX number, as they insisted I need to speak with the branch as the balance was negative. I found myself caught in a XXXX -- I could n't close the account because the account had a negative balance, to which bank of the west was adding incurred fees each day. The local branch, meanwhile, did not return any attempts at communication. The manager was always " out to lunch. " With XXXX exception, ( a {$0.00} XXXX charge on XXXX/XXXX/15, again unexpected ), the account underwent no use, yet it continued to accrue daily overdraft charges until the XXXX of XXXX, when Bank of the West closed the account and referred it to a collections agency. 

It is my fear that my experience has become a standard business practice of Bank of the West, whereby both the unexpressed and expressed desire of the institution is to refuse the closure of accounts for financial gain, with the threat of ruin to any customer unwilling to participate in its usurious scheme. 

This unscrupulous practice of exploitation and abuse of Bank of the West 's customers must neither be tolerated nor sanctioned by its governing bodies and insurers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked in XXXX 2017 and waited for 5 weeks to let those affected know they were at risk. I am now susceptible to credit fraud because of their negligence.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, as highlighted in administrative proceedings against them for similar violations. I request that Equifax complies with federal law and provides consumers with necessary proof of investigation. 
These are the accounts i mark as inaccurate : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} - Account XXXX XXXX XXXX {$1300.00} - Account number : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX sent my information to the credit bureaus stating that I owe {$1200.00} which I do not. I disputed the debt and it was verified as being correct and sent to a collection agency Amscher Collection Services however, this is not a correct amount. I owe for 1 month of service and {$93.00} in device payments totaling somewhere around {$350.00}. This is harmful to my credit scores and has caused a major drop in my credit, reduction of credit limits, and closing of accounts I have held for over 1-2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a document to Experian showing that negative items XXXX  on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report. 
This is my 2nd report to CFPB. The last one is now closed by CFPB complaint # XXXX and is not resolved. Experian stated back in XXXX that this was removed from my credit report but it has not. In my feedback, I stated it still was not removed and as of XX/XX/2020 this still remains.