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

I disputed the Date of last activity on this alleged charged-off account XXXX My dispute was received by Equifax XXXX XX/XX/XXXX Equifax responded on XX/XX/XXXX saying they did a complete investigation on the disputed account yet the data furnisher has verified the information being reported as accurate. First of all Equifax said they did a complete investigation and in 7 days responded with an incomplete inaccurate report I disputed the date of the last activity data field yet the problem with Equifax investigation is that it did not furnish any date of last activity or date closed on the alleged charged-off account I disputed yet in their response they stated the data furnisher verified the date of last activity is reported correctly how does a data furnisher verified a blank field? The Date of the first major delinquency is also inaccurate the reported date furnished is XX/XX/XXXX yet the Payment Status code for XX/XX/XXXX is labeled 1 which according to Equifax means " Paid within 30 days of the due date or not one payment past due '' This is inconsistent data and both can not be correct either the status code is inaccurate or the date of first major delinquency is inaccurate! 

Equifax also did not furnish the date of the last activity or the date closed which violates the Metro 2 Standard of reporting which was issued by the Consumer Data Industry Association which governs how data is to be reported on a consumer report. How can you continue to furnish this incomplete account when USC Title 15 1681EB Specifically states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Debt collection

XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? 

On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received.
Product: Debt collection

I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. Delete Late payments your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Product: Credit reporting or other personal consumer reports

I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
3. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed other inquries such as XXXX inquiries for their credit cards and these auto loans finance which is XXXX XXXXXXXX and Santander USA which happen XXXX, that I never applied for ( XXXX ) it happen on XX/XX/year> and XX/XX/year>. I contacted XXXX about this before and told me they couldn't do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Date account opened on my report from XXXX cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly XXXX sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like XXXX to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. XXXX the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and XXXX still showing good standing and closed due to inactivity is beyond me
Product: Credit reporting or other personal consumer reports

I tried calling the company. It gets me to an automated voicemail where it asks me for my social security and my credit card pin ( Which I dont have because I never had an account with them ) my only XXXX credit checks for my auto loans are with XXXX XXXX  and XXXX XXXX XXXX XXXX I have two vehicles and those are the only two companies who I pay. I dont know why I have a fifth bank hard inquiry in my credit report. I never authorized them to check my credit when I was financing my vehicles.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX   XXXX  AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX  PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN  REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX  XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX  XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.
Product: Mortgage

Attempting to make principle only payments to a HELOC acct on multiple occasions. I h ave tried both the website and the app to transfer funds from a checking acct to the Flexline acct. It is set up with an auto bill payer feature that makes an interest payment. If I schedule a principle only payment it takes a long time ( weeks ) to  post to the acct. while interest is accruing. If I call my local branch and have a rep do it, it posts that day or the next business day. I understand this may seem like a small amount but if theyre doing it with thousands of accts it would be significant. I have no idea if its illegal, but it absolutely seems unethical.
Product: Debt collection

There are incorrect accounts on my credit report that I didnt authorize. Please take steps to block and eliminate them right away.
Product: Credit card

On XX/XX/XXXX I was in the middle of booking flights on XXXX. At that time as I was about to pay, they offered a credit card offer that would give me a {$400.00} statement credit and XXXX miles when I spent {$1000.00}. I accepted and got the offer and the card. My first statement was paid in full on XX/XX/XXXX but I never saw a credit of {$400.00} and never saw any mileage bonus. I called them on XXXX and after I finally got to a supervisor, he advised me that since I had another credit card with a bonus offer in the past XXXX months, I was ineligible for any statement or mileage credit. He said the disclosure was there and I say before they accepted the application under the terms they offered, they should have advised me that I would not be eligible. No letter to follow up on their end as well explaining this very important aspect. Its extremely deceptive. How is any regular person supposed to remember that they had a promotional offer on similar credit card in the last XXXX years. My wife and I have and manage about XXXX credit cards. I have been utilizing credit cards my entire adult life and I am XXXX XXXX XXXX. This was by far the most egregious abuse a credit card company ever gave me. The card is issued by Citi/AAdvantage Platinum Select World Elite Mastercard Thank you!
Product: Debt collection

I received the debt collector from Convergent, address of the business is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX, phone : XXXX. 
The letter said I own {$320.00} from XXXX XXXX, but I called XXXX and they said I don't own anything. However, my credit report go down XXXX  points, and the report said I have collected from Convergent. I am keeping calling XXXX and they said I don't own any money, but they send the report to the collection. 
Please help
Product: Credit card

I am writing to express my extreme dissatisfaction and frustration regarding the lack of cooperation from Bank of America in validating the debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Despite my repeated attempts and evidence provided, demonstrating the invalidity of this debt, and proceeding to investigate the charge as an abuse, Bank of America has ignored me and provided inaccurate information to the credit bureaus. 

I stayed at the XXXX XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and I paid with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX belonging to Bank of America. During my check-in, the reservations manager " XXXX XXXX '', ( see attached business card of XXXX XXXX, marked XXXX XXXX XXXX  XXXX ), agreed to remove and waive the daily hotel rate of {$52.00} because ( i ) it was not adequately described in my hotel reservation as required by Nevada 's Deceptive Trade Practices Law NRS598.0915, and ( ii ) I was not interested in receiving any hotel amenities. In fact, I did not receive any. 

Once again, the information about the hotel fee waiver was confirmed during my check-up process on XX/XX/2023, by the person in charge of the check-up process who gave me the departure receipt, to be signed. The copy of the receipt attached to this complaint clearly shows the non-existence of any resort fee. Please see the attached document, marked as evidence, ( XXXX XXXX XXXX  '' ). 

After several days, I realized that Bank of America charged me {$150.00} for the hotel resort fee ( {$52.00} for 3 days ), I immediately opened a dispute with Bank of America and sent them copies of the documents to support my claim. Bank of America initially proceeded to remove the charge ; however, these charges were later reinstated to my account with the following bank 's allegation : " Purchased items were not properly returned to the merchant, a credit receipt was not received, or the credit receipt was not " does not provide us with enough information to confirm that the merchant should have provided credit. '' Undoubtedly, Bank of America treated me unfairly and acted in bad faith by not adequately reviewing my allegations as a cardholder. Bank of America not only proceeded to charge me for resort fee charges that the hotel promised to eliminate ; for amenities that I never received, but also for resort fees that were not included on the check-up receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is back in 2008 Wells Fargo I had a checking account did they closed or stop deposits anyways prematurely and it caused me to have an account go negative into a way where the credit agencies marked my credit so bad I'm still recovering 20 years I'm still recovering from that credit bash. And so back in XXXX XX/XX/XXXX they cut me a check for {$150.00} and said they were sorry I'm not accepting that I mean I did cash check cuz I'm severely needed cuz of XXXX wish I wouldn't know but I did they did that rather quickly and they're the ones that initiated it they found the wrong and I think that they've done more damage than {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00}
Product: Checking or savings account

I have an overdraft fee of {$63.00} for transferring .MY funds to another account this is the second time I had this issuse its my money and my account and I should be able to do what I want with my account I don't understand the purpose of charging me for transferring plus a mainetence fee every month I work a part time job and I don't have have any money to give away especially during this pandemic.
Product: Debt collection

Debt Collector contacted a Family member at the referenced number and stated were serving me with summons for a debt owed. This was after they were told the number was not mine ( third party disclosure ).
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 
XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, -, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax XXXXnformation Services regarding my credit file. Equifax Information Services further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX and XXXX   reported to Equifax Information Services that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX, XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my XXXX XXXX visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a Wells Fargo business account number of XXXX with the name XXXX. From that account, money was added to my XXXX XXXX in the amount of {$20000.00} on XXXX and I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called XXXX XXXX asking for them not to let that happen, but even so it was reversed posting XXXX XXXX. 
I believe that Wells Fargo has responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this account does this many, many times per week. I believe this makes Wells Fargo complicit in fraud, as I believe that this account has been used in this way for a long time. I hired a private investigator who said literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid from a Wells Fargo account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a Wells Fargo business account to be used in this way, I would not have made and sent those purchases. 
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. By allowing this kind of reversal without a court action, especially multiple times per week, Wells Fargo is complicit in allowing this kind of fraud to happen. 
XXXX XXXX