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

I told the XXXX XXXX XXXX XXXX XXXX to reinvestigate account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everythi
ng was completed and accurate. But how is it that possible if the open date and the day alleged activity and how more is incorrect. According to 15 USC 168199 ( i ) 5 they were supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 604 A states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 61C ( a ) ( 5 ) section also states A consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681C ( A ) ( 5 ) Section states no reported agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes antedates the report by more than seven years.

15 U.SC. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cost to believe that the information is inaccurate.

Also they aren't even in compliance with Metro 2 credit reporting I have evidence to prove Delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/2021, I charged {$30.00} on my BankAmericard XXXX XXXX XXXX XXXX XXXX XXXX to add that amount to my New York XXXX XXXX XXXX XXXX XXXX subway ) XXXX  card. The transaction was approved and then processed on XX/XX/2021. 

However, on XX/XX/XXXX, the XXXX submitted another charge to that same credit card for another {$30.00}. This additional {$30.00} shows as a credit to my card and raises the balance due on my account. 

I called Bank of America to challenge the second charge. I was told by their representative that companies recharge cards to ensure that there are sufficient funds to cover the initial charge. And that the second {$30.00} charge will fall off in XXXX days. 
The first {$30.00} had already been approved and credited to my card XXXX days earlier. There is absolutely no reason for the XXXX to submit and the Bank of America to charge even if only temporary a second charge to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I received an email from credit karma that my credit score had dropped. I logged in and the drop was over 100 points ( from XXXX to XXXX ). I tried to figure out where this was coming from. Every single account on my report is listed as current. 

I found an account that was NOT listed on my report showing a late payment 60 days overdue. I don't understand how my credit report could simultaneously show a late payment but also not list this account anywhere ( neither in closed or open accounts ). 

I was able to narrow things down to a XXXX XXXX card that I opened in XXXX of XXXX, and closed some time in the fourth quarter of XXXX. Now, all of a sudden, XXXX is reporting that I have missed payments on this account. They also marked it as closed on XX/XX/XXXX. If you look at my credit report, you will see I have never missed a single payment and I am diligent about managing my accounts responsibly. I believe I am entitled to not only my report being fixed, but potentially financial damages. This is a fraudulent report XXXX has filed on my account and I hope that the CFPB can aid me here.
Product: Debt collection

I addressed the situation with XXXX XXXX XXXX about family idenity theft. In return knowing the situation they sold my account to a collection agency and now they have started aggressively coming after me for funds i dont owe
Product: Credit card

I have been with navy federal for over 4 years. I started this credit card as secured credit and they eventually turned it into a regular credit card. I missed two payments, well the payments were late, because one payment had returned. This was XXXX XXXX... The account was brought current in XXXX and I was able to use it, It has since been current and this month in XXXX, Navy Federal closed my account without notifying me. Again I had two late payments because I was out on XXXX from my job and was dealing with medical problems. 

This is not ethical to do, the account was current in XXXX and was in use, now in XXXX the account is still current and they close it ...... 

Also two years ago with this same account, there was a fraudulent charge on the account from a rental car agency and I disputed and they never gave me money back and I had to pay over XXXX on the card, which I did because I'm a loyal customer to this financial institution.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on EXPERIAN, XXXX AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
EXPERIAN-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XX/XX/XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXXsays account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XX/XX/XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XX/XX/XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}
Product: Mortgage

We were in Forbearance until I obtained a job making $ XXXX/hour Wells Fargo has consistently denied us th opportunity to return to regular payments they have placed the house into foreclosure and have made demands for {$26000.00} to return the payments. We believe that the bank 's staff has done this in the last two weeks following us filing a previous complaint with you guys. We received a call today, stating the {$6400.00} I make a month is not adequate salary for us to return to the $ XXXX/month mortgage. 
I tried to apply for a {$26000.00} loan to catch up the house, only to find out WELLS FARGO has been reporting late payments on my credit report since we 're on forbearance - so we are stuck in a large hole with no assistance from the bank. They wo n't return any of our calls. 

We believe that the decision was based more on the fact that there was a complaint filed, then our ability to resume payment regularly
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the removal of any inaccurate accounts from my credit report. Can you please verify the documents? Some accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


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

The credit bureaus stated that I C System, was properly investigated, but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2.
Product: Debt collection

I Would like to make a complaint against XXXX XXXX and EOS CCA Because I never had this service XXXX said on XX/XX/2021 I owe {$2300.00} this is not true and I have tried to reach out to XXXX for over the last year I spoke to a customer service lady and she could not connect me too the right person to speak to about this matter although customer service said that this account Had Been sent to collection And no one in that office there could help me I tried to explain that I never had XXXX and would like to resolve this matter but I was told they could not help me.
Product: Bank account or service

Our bank for decades ( XXXX XXXX, XXXX XXXX, IL ) was absorbed by MB Financial. Their online system does not provide the same service as the old system, which is okay, I can do things manually. However, I need my ( XXXX ) statements every month and they now want to charge me {$3.00} apiece to have them mailed to me. This is a small business account and comes to XXXX pages a month. How can they be allowed to hold my information hostage in this manner?
Product: Debt collection

Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law!
Product: Credit reporting or other personal consumer reports

Midfirst Bank has allowed my ex-husband to fraudulently report me as a person on his account. I have no access to this Midfirst bank account and I have NEVER EVER lived at XXXX XXXX in Oklahoma, ever. It is not my account! Even though I have disputed this address as NOT being my own, Midfirst Bank as well as XXXX  ignore the facts and continue to let this FRAUDULENT activity with my information continue.
Product: Credit reporting or other personal consumer reports

According to G

ovInfo, 15 USC 1681a ( p ) of Title 15 of the U.S. Code states that financial institutions that provide negative information to a consumer reporting agency must provide written notice to the customer.

The Fair Credit Reporting Act ( FCRA ) also states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy. For example, section 623 ( a ) ( 6 ) of the FCRA requires that any furnisher who learns their information is inaccurate due to identity theft must notify the agencies of the correct information.

15 USC 1681s2 also states that a person should not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I've attached the documents which needs to be removed and viewed properly according to these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I checked our credit scores with credit Karma because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX Saturday, XX/XX/XXXX I received an email from Credit Karma stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. Credit Karma seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was XXXX XXXX XXXX. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where Credit Karma and XXXX XXXX XXXX are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX and I demanded that TransUnion provide the contract certifying and verifying the relationship between XXXX XXXX and XXXX XXXX. 

This is AGGRAGATE IDENTITY THEFT because neither companies have a signed Social Security Administration form to legally have CONSENT to pull the social.

Also parties involved have committed a Breach of Trust and have shared the social with non affiliated 3rd parties
Product: Debt collection

I Have attached what I feel is more than enough documentation to substantiate my complaint. I have written Credit consulting Services and have not had a fair shake at receiving any validation from day one. We have asked for paperwork from phone call one. They dragged their feet on providing any information and to date, they have provided nothing. Credit Consulting Service made contact by telephone way before the validation period expired. Then soon after the period expired, they decided to mention that they could not provide the requested information due to their limitation to being restricted to collection activity within the state of California and reported this account as a collection to XXXX, XXXX, and XXXX. This has affected me financially in the purchase of the two vehicles loans we signed for in late 2016. The fact is very clear, If we requested the documents that would validate the collection to be sent to us in the first place, and they can not send them due to licensing restrictions to conduct business outside the borders of California, That alone is proof beyond any doubt that this debt was never verified or validated by any standards.My address and contact phone number, which has been the same for 15 plus years was listed with all three bureaus prior to their collection activity. They Knew that from the first phone call they made because I let them know at that very point. In my conversation with their representative, I was informed that even if I paid this under the guise of extortion, they would not remove the collection from any of the XXXX reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove paid collections from credit report even though XXXX has already done so. I have a letter from the collection agency " pay to delete '' stating that they have submitted my collections to be removed from all three credit reporting agency since they are all XXXX balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX # A 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 Balance : {$470.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, as part of my XXXX transition process, I legally changed my name from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. I obtained an updated birth certificate, social security card and driver 's license, updated my name with my employer, updated my name with my mortgage company and paid my taxes with my new name. However, despite repeated attempts to use Equifax 's dispute process to update my name ( which is their process for name changes ), they continue to reject my requests. These are the dates that I've submitted online disputes to them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've also tried updating my information with them by mail, but they've also rejected that attempt.
Product: Debt collection

On XX/XX/XXXX, I submitted a CFPB complaint. The company responded, however, did not validate my debt. I am requesting the description of the procedure to verify the debt. Please provide this to me in 5 days or delete this from my credit. I am also requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review and see if this account truly belongs to me.
Product: Checking or savings account

Someone opened an account with Bank of America in my name fraudulently. I filed a police report and a ID Theft report with Bank of America. The company have name blacklisted in the risk department and this prevented me from opening an business account. The company should of already block the fraudulent accounts. I never had any accounts with Bank of America.
Product: Payday loan, title loan, or personal loan

This is bothering me weekly over payment when I am paying them. Phone calls every week. There to the credit bureaus as being late when that is a lie.