23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of XXXX XXXX XXXX XXXX and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
Safco Financial account number XXXX has violated my rights as a victim of XXXX XXXX under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 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. 

XXXX XXXX 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: Mortgage

Loan number is XXXX. My name is XXXX XXXX XXXX @ XXXX XXXX XXXX. XXXX NC XXXX. XXXX XXXX 2015 I mailed XXXX payments to Santander Bank. The due date for my XXXX mortgage is XXXX of each month. I sent XXXX payment in the amount of {$1000.00}. I intended for XXXX payment to be for XXXX and the remaining funds to apply to principal balance. I was told since the payment for received XXXX day after due date they had the right to take XXXX months of interest. However it did n't advance my loan due for XXXX payment. 
I was told my loan simple daily interest loan and it is not. I wrote letter asking for the note, payment history and amortization schedule. I was told it would cost around {$110.00} to {$150.00} or go to banking center. I asked about Santander Banking centers in XXXX NC. Representation at Santander said they do not have banking centers in North Carolina. 
I made a payment for the full contractual amount for XXXX in XXXX which posted before the due date of XXXX of XXXX. I received a billing statement today ( XXXX/XXXX/2015 ) which shows due next XXXX XXXX 2015. It seems the XXXX payment made in XXXX was simply taken and not given credited to my account.
Product: Bank account or service

USAA XXXX intentionally orders transactions in order to collect more fees. USAA FSB has stolen {$58.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX-XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts to Be Removed : 1. XXXX ( Account : XXXX ) Charge Off 2. XXXX XXXX ( Account : XXXX ) Charge Off 3. XXXX XXXX ( XXXX ) ( Account : XXXX ) XXXX 4. XXXX ( XXXX ) ( Account : XXXX ) Collection Charge Off XXXX 5. XXXX XXXX ( Account : XXXX ) Charge collection XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX collection/charge off XXXX Errors to Be Corrected on My XXXX XXXX Account : Account Number : XXXX Under FCRA Section 605B, it is illegal to report anything on my credit report without my explicit permission, which I never provided for this account. I demand that this inaccurate information be removed immediately. 

I have already contacted the companies involved regarding this fraud and expect these unauthorized accounts to be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting : 1. The immediate removal of all fraudulent accounts from my credit report.

2. A written statement confirming that these accounts have been deleted.

3. A full investigation into the errors on my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I had suffered an XXXX incident that left me XXXX  and in a XXXX for ten days. During this time, XXXX XXXX XXXX XXXX was holding my college loans which were on deferment and scheduled to resume payments in XXXX of XXXX. The nature of my injuries were XXXX and XXXX. I have no memory of what happened before the event and nothing for 2 months following it. Through extensive therapy, I was regain physical control of my body back nearly 100 %, with the exception of a XXXX issue that involves XXXX  because that is XXXX in nature. Due to the nature of my injury which left me in an XXXX status for quite some time, my mother contacted NELNET and advised them of my medical status. She had to do so, because I was in multiple hospitals until approximately XXXX XXXX of XXXX. She was advised to fill out a request for XXXX status, which she did, but NELNET never followed through on it. In turn, NELNET had continued negatively reporting on my credit report and until I received a notice almost a year later. I was forced in to resubmit all the documentation my mother sent them to get my loan placed on a XXXX status, but the damage was already done to my credit. While I was unable to care for myself, my mother ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Account status incorrect had faxed Nelnet 's XXXX program medical verification. I had to refax all that she had sent them with the fax confirmation report to have them complete the process after receiving a delinquency letter. I was out of work until XXXX of XXXX because I was on an extended leave from my job do complete advanced therapy. During such time, I was receiving supplemental income through my enhanced XXXX protection insurance that I had taken through the school board where I work, until I was medically cleared to go back to work full time. But, during this time, NELNET had damaged my credit and even though I had filed a successful bankruptcy in XXXX and was cleared by the courts, college loans because they are subsidized by the Federal Government are not impacted by such legal actions. This issue is impacting me getting a mortgage to purchase a home at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies
Product: Debt collection

Good Afternoon, My name is XXXX XXXX and I am in need of assistance in dealing with a debt collector by the name of Jefferson Capital Systems XXXX. They have been reporting to my XXXX of my credit bureaus false debts. When I contact this company and provide them with my XXXX XXXX XXXX they state that they can not help me because the information they have does not match with what I gave them, this is obviously a huge problem because this is debt that I have no idea about and is not owed by me or is tied to my social security number. They have been reporting for XXXX or more years now and is hurting my credit because of the false debt they have been reporting. I have hired a credit repair agency about XXXX years ago, and even they have submitted verification letters on my behalf, and still, the credit bureaus and Jefferson Capital are claiming that the debt is verified, however, the debt is never verified with me based on my information that I give to them. This seems to be unfair to me and has actually caused me financial harm because of the XXXX false debt collections accounts that XXXX XXXX has reported on all three of my credit bureaus. XXXX asking you guys for your help as a collections agency is not or should not be allowed to keep reporting accounts that can not be verified using my XXXXXXXX XXXX XXXX Whom ever the XXXX accounts belong to, thats whom they need to report to their credit bureaus and collect from the person whos information they have. This is very unfair to me. I have contacted them in several ways to have them remove the XXXX accounts of all three of my credit bureaus, and they keep refusing to remove it as they keep saying the information is valid, even though its not. If it was an actual debt that I owed, then they should be able to verify me so I can pay the debt off, but, that simply is not the case and not so way to remove when they cant verify either accounts with my XXXX XXXX XXXX, this means the XXXX accounts belong to someone else and they just keep harming me. Please see attached where Jefferson Capital is reporting to all three of my bureaus. Please assist and advise
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX : # XXXX, XXXX via XXXX : # XXXX, XXXX  via XXXX & XXXX XXXX XXXX XXXX,, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.
Product: Credit card or prepaid card

Capital one has allowed someone to change my address 6 times in 2019 alone ( not including the times in years past ) I have repeated asked to have notes put on my account that make them call my number prior to making ANY changes to my account but they continue to ignore that request and allow someone to close my card and send a new one to their address. This is causing me financial issues as well as time taken away from my family and my business. Ive included a screen shot of each time this has happened in 2019 alone.
Product: Credit card

On XX/XX/XXXX I used my XXXX credit card account to purchase an e-Gift card in the amount of {$50.00} for my sons birthday. My son stated he did not receive it so I called XXXX customer service that advised me that the Merchant was experie4ncing technical difficulties and to try to resend it again. 

Ultimately the {$50.00} gift card did not arrive in time so I gave my son a different gift and requested to be credited back for the {$50.00} purchase since the card was never redeemed. 
To this date the card status says " Sent '' and not " Redeemed '' as with previous redeemed gift cards show. 

After waiting for more than XXXX weeks for my promised refund I called XXXX XXXX back @ ( XXXX ) XXXX again on XX/XX/XXXX, I spoke with XXXX who confirmed that the {$50.00} was not received or redeemed as well as the notes about my previous request for a credit. 
She apologized and stated that she was escalating my issue and transferring me to an " e-Card XXXX ", who would in turn issue the credit ..but instead she dropped me back into the same Cus Srvc queue where I spoke with XXXX, he repeated the same apology and same promise to connect me to the Specialty Team, but the same cycle occurred, I was a a XXXX x connected to XXXX and not e-card... this happened XXXX! 

in my frustration I started a Chat for support which is saved in my account Chat history. Unbelievably the same horrible service took place where the Chat agent made the exact same promise stating the chat was being escalated to a specialist and it was only place back in queue. This happened a horrible XXXX additional attempts to address my issue. 

I searched the site and found a link to submit my request and address my issue via email at : XXXX The response came w/i XXXX minutes asking the following ( copied for actual email ) : Unfortunately, we will need some more information about your situation before we can assist you. 

Please help me to receive my funds back and address such a terrible experience. The Order detail is as follows : XXXX XXXX Card ITEM DETAILS {$50.00} | Quantity : XXXX ORDER NUMBER XXXX PAYMENT METHOD XXXX XXXX  ending in XXXX Ordered on XX/XX/XXXX XXXX
Product: Debt collection

I was asking for information on a medical bill I am disputing. I requested information pertaining to bill and they sent me my sealed medical records. They are not suppose to have that. I sent them a certified letter question their access to my private medical history and procedures and they never answered. And they have been reporting this erroneous debt to the credit bureaus regularly.
Product: Credit reporting

I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.
Product: Credit card or prepaid card

A few accounts on my credit report for XXXX XXXX card was not opened by me, it was a relative and I asked them to please address this for me through a dispute. They have yet to update and do the right thing. My complaint is for the response of a Company that is placing profits over what is right in a fraudulent account. Thanks!
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX a XXXX XXXX driver ( XXXX XXXX LIC XXXX ExpXX/XX/XXXX ) was driving over the limit speed on XXXX XXXX hit my passenger door ( got broken ) failed to stop ( hit and Run ) and return the minutes after the crash, stated that she was driving under the influence. The rear rear mirror of her car with the impact got broken. I had called the XXXX XXXX and My Insurance to let them know what happened. I have a Liability Insurance with XXXX XXXX XXXX. My XXXX XXXX failed to follow up with the Claim ( did not pay it ) and now XXXX   XXXX  put me into collection. I feel that My XXXX XXXX  did not comply with the claim or nothing was done.
Product: Credit card or prepaid card

On XX/XX/2019 I came into the Amegy bank branch to open a Business Credit Card, Checking, and Money Market account after being informed prior about a promotion for new customers. XXXX XXXX from the Branch collected my information and proceeded to open the accounts. All accounts were opened to my understanding and the credit card approved with a credit limit of {$5000.00}. 

On XX/XX/2019 after some issues with online banking and my credit card account not being shown online, I was informed that Amegy, at their sole discretion opened a Personal line credit card for me instead of the Business Credit Card that I had applied for. The banker who was assisting me informed me that in order to process a Business Credit Card application and ensure that I would be receiving the promotional bonus, that I will need to submit a Business Credit Card application via paper. After submitting a business credit card application via paper I was informed that the application was denied because my business did not meet the parameters set forth by Amegy to approve a business credit line. I was then informed that because the promotion was only for the business credit card and not the personal ( which I had used and fulfilled my obligations for in order to receive the promotional bonus that was advertised to me ), I would not be getting any of the promotional bonuses.

My issue now is that : - I have two credit inquiries on my credit report. One for a product that I did not apply for.

- I have a personal credit line account showing on my credit report which has adversely negatively affected my credit score and profile.

- I will not be receiving any of the promotional bonuses that were stated I was eligible for when opening my accounts.

Frankly, the application process should have stopped when the First Business Credit Card application was submitted. Amegy should NOT have opened a Personal Credit Card line for me at their sole discretion and instead denied my application as they did the second time that I was informed I had to apply. Amegy is stating that it is in within their rights and terms that they may evaluate me for personal credit card, when a business application has been submitted, but I have yet to receive where in the credit card application those terms are stated.