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

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

During Covid-19 in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX of 2020 I was marked missed payment for {$780.00}
Product: Credit reporting or other personal consumer reports

I have 2 phone and 2 XXXX  so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX. But noone answer so I tried to open another complaint number XXXX so finally they called me and help me opened back my apple credit card account and transfer all my old debt to new account.They said just dispute it is ok. But when I tried to do it customer service just say can't clear interest and I have to pay for that and transfer me around time to time.So they didn't clear my interest in past 3 months, and didn't clear my late payment history was damaged alot to my credit score until now. i want they take out the interest and late payment history was happened not because of my fault.It make my score from XXXX down to XXXX now and affect when I want to take a loans to buy house.
Product: Checking or savings account

Wells Fargo has been misleading its customers into believing they have more money available in their checking accounts than they do unfairly charging them overdraft fees when they consequently overdraw their accounts.
Product: Checking or savings account

My chase personal Checking savings and credit card were all closed suddenly with out any reason. I went to a chase bank and even the officer banker was confused why they closed my account. I have no fraud or any suspicious activity on my account nor any late payments etc. Ive been a good loyal customer for many years and this came as a huge surprise. Its like they picked my name out of a hat. I felt like I was being punked. No one would give me a clear answer as to why they did this. Nor do they really have any reason to have closed my account at all. I cant believe they would just close a person account for no reason what so ever.
Product: Debt collection

Unable to verify debt, communicate or contact. Running under multiple businesses ( DBA ) with multiple addresses, which causes fraudulent and malicious debt collection practices which do not allow proper communication and/or proper validation, strictly going straight to credit report ( XXXX  ) without moralistic/valuable practices. Mischievous.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have some authorize charges to my account ending in XXXX I have contacted Bank of America to let them know of the transactions I received temporary credit to my account only for them to be reversed on my account I appealed sending faxes letting them know that I did not make these charges and also my other cards was compromised too and I opened up claims and they have been disputed and all in my favor so I don't know what else to send regarding my claim my account has a XXXX claim num : XXXX claim num : XXXX claim num : XXXX claim num : XXXX
Product: Mortgage

This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. 
In their most recent letter to me, they claimed I did not pay the XX/XX/2016 payment. 
Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the XX/XX/2016 payment. I have wasted many hours providing proof of payment and they keep changing their story. Once again, here is the proof that I certainly paid the XX/XX/2016 payment. It was short ( because I did not know that the amount had changed ) but after speaking with a representative at SLS I sent another check on XX/XX/XXXX to cover the difference. I attached records to illustrate. 

What do I have to do to get SLS to update my account to reflect my payments for which I HAVE PROOF of payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd request as Transunion is blatantly ignoring to remove these accounts directly related to Identity Theft after I repeatedly provide official FTC Identity Theft affadavits for all listed accounts. 

On XXXX I contacted Transunion and mailed numerous documents regarding me being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file XXXX XXXXXXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly or at all.
Product: Checking or savings account

Im waiting for my direct deposit that was dated for XX/XX/scrub>/25. However my bank, Capital One, has been having a technical glitch since XX/XX/scrub>/25. Needless to say, its XXXXpm central time on a Friday and I have not received my funds, nor any information or updates from the bank. Capital One says it was a glitch with their XXXX party payment system ( XXXX XXXX ) who stated everything had been repaired and fully restored by XX/XX/scrub>/25 early am. 
Its a holiday weekend so I am assuming the earliest I will see my money is Tuesday XX/XX/scrub>/25. 
This has caused me late fees and late payments! This is absolutely ridiculous to hold peoples money for days on end with no communication or resolution!
Product: Credit card

Recently my account was closed with Capital One they claimed it was because return on payments even though they checking account they was supposed to be withdrawing funds from had sufficient funds inside of there. They basically closed my account on a error on there system so i called customer care and they told me to reopen a new account so i did that and a couple days later i get a notice saying that account is closed also because it is related to my last account that was closed. 

Why did Customer Care ask me to create a new account if they was just going to close my account, so a hard inquiry was pulled from my credit just for the account to be closed days later. 

Why capital one would treat a loyal customer like this? Been with them for years and balances have always been paid.
Product: Checking or savings account

I filed a fraudulent charge claim against a purchase ( the charge was on XXXX  for - {$230.00} ) in my checking account with Chase Bank. On XXXX the claim was reversed and Chase Bank added + {$230.00} back to my checking account. On XXXX, they reversed the claim again and deducted- {$230.00} from my checking account. On XXXX they reversed the claim again and added+ {$230.00} to my checking account. Then, on XXXX they reversed the claim again and deducted- {$230.00} from my account. 
Although, this was one claim they gave the case two different claim ID numbers .... 
XXXX. Claim ID # XXXX XXXX and XXXX. Claim ID # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax report is 161 pages. My XXXX report is 93 pages and my XXXX report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX  and on another report its listed as a XXXX XXXX or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Experian, XXXX, XXXX, and various debt collectors. These violations have negatively impacted my creditworthiness, financial well-being, and consumer rights. Despite my attempts to address these issues, they remain unresolved, necessitating immediate regulatory intervention. 

XXXX. FCRA Violations ( 15 U.S.C. 1681 et seq. ) a. Reporting Inaccuracies ( 15 U.S.C. 1681s-2 ) Several accounts report inconsistent balances, charge-off statuses, and payment histories across different bureaus, including but not limited to : XXXX XXXX XXXX Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Investigate Disputes ( 15 U.S.C. 1681i ) The credit bureaus failed to conduct a reasonable reinvestigation into disputed accounts, as required by federal law. 


c. Re-aging of Debt ( 15 U.S.C. 1681c ) Certain collection accounts, including XXXX XXXX XXXX, appear to have new open dates that do not reflect the original default date, unlawfully extending the reporting period. 


d. Duplicate Accounts ( 15 U.S.C. 1681e ( b ) ) Some debts are being reported multiple times under different collection agencies, artificially inflating my total debt burden.

e. Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Credit bureaus and furnishers have failed to mark disputed accounts as Disputed by Consumer, a direct violation of federal law.

2. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) a. Attempts to Collect Unverified Debt ( 15 U.S.C. 1692g ) Collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have continued collection efforts without providing proper validation of the debts upon request. 


b. Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e ) Some collectors have engaged in misleading and aggressive collection practices, including falsely implying legal consequences.

c. Reporting of Time-Barred Debt ( 15 U.S.C. 1692f ) Certain debts, such as XXXX XXXX XXXX and XXXXXXXX XXXX may be past the statute of limitations, meaning they should not be pursued for collection or reported. 


d. Failure to Identify Debt Ownership ( 15 U.S.C. 1692g ( b ) ) Some collection accounts do not clearly identify the original creditor, violating my right to proper debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.
Product: Debt collection

I am writing to you in the strongest possible terms regarding the fraudulent accounts currently tarnishing my credit report. It has come to my attention that there are accounts on my credit report that are the result of identity theft and fraud. I demand immediate and aggressive action to rectify this egregious error. XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}.
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significant XX/XX/XXXXandXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureauXXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. XXXX has not updated the account.
Product: Credit reporting or other personal consumer reports

I started a dispute with Equifax on XX/XX/year> for late payments reporting inaccurate. I also sent proper documentation verifying my identity and residence. Equifax sent a letter out stating they could not process my request due to documentation needed. So, I sent another certified letter providing them with the same documents, which they still have not resolved. I received another letter XX/XX/year> stating they needed documentation again for my identity and residence. This has been an ongoing issue, and I believe they are trying to stall and not correct the issue. These late payments are not accurate and I want them deleted.
Product: Credit reporting

I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : BANKRUPTCY TAX LIEN XXXX TAX LIEN XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.
Product: Checking or savings account

On XX/XX/2020, the merchant XXXX charged me XXXX for a gaming PC that's so corrupted to the point that games crash every time after opening and the resolution worsens all by itself to the worst possible resolution without me having anything to do with its utter defectiveness. I tried to return it but the merchant refused to pay for the return when they were the ones who sold me the scam product in the first place. Here is their official site : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this account with credence for {$160.00} XXXX dont have a collections account with XXXX XXXX XXXX I still have an account of account with at & t this debt is not valid please remove this account. Also I have a credit card with XXXX and your still not reporting it
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission.

The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.
Product: Mortgage

The closing date for the XXXX XXXX mortgage was XX/XX/XXXX for loan # XXXX. At the time of closing {$2100.00} for six months of prepaid property taxes was collected. The amount was not credited to the account which is administered by LoanCare. I advised XXXX XXXX on XX/XX/XXXX and escrow ticket # XXXX was opened to address the issue. On XX/XX/XXXX I received an escrow statement showing a short fall in the escrow account because the lender failed to apply the collected funds. I have contacted XXXX XXXX and LoanCare several times and provided documentation ; however they have refused to resolve the issue. I contacted the settlement company, XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX confirmed the tax funds were collected at the time of closing and the funds were remitted to XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX and LoanCare have not yet applied the funds. Instead, the XXXX escrow payment has been raised from {$330.00} to {$490.00} per month to cover the shortfall when there should be an excess of {$780.00} in the account.
Product: Credit reporting or other personal consumer reports

I put a freeze on my Equifax credit report and was stunned to find out that Equifax does not offer multifactor authentication to protect my " myEquifax '' account. If my username and password were guessed or stolen, anyone could access my credit report and steal my identity. Equifax promotes how important MFA is for sensitive accounts like this one, but does not offer MFA to protect all of the sensitive information that they collect.
Product: Credit reporting or other personal consumer reports

I have all these inquiries from someone trying to get a car loan under my name, I never had this companies and never authorized any credit pulls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.