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

on / U.S. Code / US law / LII / legal information institute.

15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX  XXXX late payment reverse all XXXX of them Inquiry ; XXXX XXXXXX/XX/XXXX Inquiries remove First help XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and Equifax credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account XXXX : {$32000.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX   - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX  XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX   XXXX - on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the equifax data breach.
Product: Credit reporting or other personal consumer reports

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Debt or credit management

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if I do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance {$200.00} verification of false debt requested by me XXXX XXXX XXXX  balance {$2000.00} verification of false debt requested by me XXXX XXXX XXXX balance {$140.00} removal of incorrect information requested XXXX XXXX {$720.00} card stolen information stolen false account XXXX XXXX balance XXXX XXXXXXXX of false debt requested by me
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.
Product: Credit card

I went on vacation to XXXX in XX/XX/ with some of my friends. While we were there, looking for attractions to do in the area, I booked a tour of an XXXX farm, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$310.00} and scheduled it for XX/XX/XXXX. However when we arrived at the destination for the XXXX, it was an empty parking lot and not an actual farm. On top of that, I got no email or text message of anything about the tour or the location of the farm, and when I tried contacting the owner, which i attempted multiple times, he didn't respond or ever contact me further. I immediately contacted my bank, M & T about the scam charge and canceled my card. They said that they were gon na investigate the charge and issued me a credit. However, a few months later, on XX/XX/XXXX, the credit was taken back and they told me that they found nothing wrong with the transaction. After that, I scheduled an appointment in person with my bank and tried to dispute the investigation. A day later, the person I talked to called and said that they were unable to reopen the case. Afterwards, I tried multiple times to contact the owner of the XXXX farm, and after multiple days and phone calls I was finally able to. However, he said that he hadn't gotten the money back from the bank yet and that maybe it would come in at a later date. So I kept calling, and checking, left multiple voice mails and eventually he stopped responding and hasn't contacted me since. On XX/XX/XXXX, I went to my bank again and tried to get their help again and they said there was nothing they could do about it. However, they suggested filing a police report, so i put in a police report with the XXXX XXXX Police department. While filing the police report, I noticed that on the website for XXXX XXXX XXXX was different than the one originally listed that I had followed and that's listed for them on XXXX. However, I am incredibly dissatisfied with the lack of help from my bank for getting charged for a service I never received and never got contacted about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

as well as the agencies not supposing to report on accounts older than 7 years of age. 

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} +
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX Date : XX/XX/2016 XXXX XXXX has been reporting that I had a delinquent payment on XX/XX/2016 on my Trans Union Report, but on my XXXX  Report it does not. I spoke to them and filed dispute 3 times but they refused to correct it from NOT being delinquent. I was told that they were migrating to a new system and that caused a missed payment on my account as it was on auto pay. They refused by saying that it was my responsibility of updating my account. I did not receive any communication that there was a new system being implemented. 

I have been trying to get a mortgage loan for the past year but this missed payment is causing issues for creditors as selecting me as a risky.
Product: Student loan

Navient 's website now forces borrowers to pay a month in advance ( payments that are not even yet due ) before it will allow them to make a payment on a past due amount - even if only past due by 1 day. This happened to me in XX/XX/XXXX and XX/XX/XXXX. Each month, I logged in to make my payment and was confronted with a screen saying I had a past due amount, but that in order to pay it, I also had to pay the NEXT month 's amount due as well. No option is given to simply pay the past due amount. An amount that was past due by one day in each month. This is a deceptive trade practice, and Navient should correct the issue immediately. Customer service representative on XX/XX/XXXX told me there is nothing they can do about it, but agreed that " it's dumb. ''
Product: Credit reporting or other personal consumer reports

I discovered that several closed accounts are being inaccurately reported on my credit report with Experian. These accounts contain inconsistencies, such as incorrect dates, balances, or statuses, which do not align with my records. Under the Fair Credit Reporting Act ( FCRA ) 1681i and XXXX XXXX compliance guidelines, all reported information must be accurate, complete, and verifiable. I submitted a formal dispute requesting the removal of these accounts due to these inaccuracies. However, Experian has yet to properly correct or remove these items, which is negatively impacting my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : XXXX will not. Experian will not.
Product: Checking or savings account

Received emails that an acct was opened in my name and a trading account as well. Today I received a debit card in the mail. I did not open this account and have no knowledge of this account. I tried calling Bank of America and was on hold for XXXX. Have not been able to reach a live person.
Product: Credit card

Capital One charged me a late fee of {$40.00} dollars. Payment was due on the XXXX Of XXXX, I paid on the XXXX. But because it was not done before XXXX XXXX, I made payment at XXXX XXXX, they still would not waive the fee. They show my payment as posting on the XXXX even though I paid on the XXXX!
Product: Credit reporting or other personal consumer reports

Reviewing my credit report I get 4 hard inquiries that are not correct EQUIFAX Disputed Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Unspecified. 


EQUIFAX is violating the following laws : Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Checking or savings account

On XX/XX/XXXX I received payment via XXXX from XXXX of my customers. The payment was for {$150.00}. Earlier that day I had finally received my new debit card for my Chase account. I had been waiting for the new card for about two months. I hadn't ren using my Chase account too often prior to this because I had no debit card. So I transferred the {$150.00} from XXXX to my Chase checking account. So with the fees it was {$140.00}. The transfer initiated and completed. However, unbenounced to me Chase had unreasonable closed my account and I had no idea. So I thought the {$140.00} would be returned to my XXXX because of the account being closed. But it never did. Chase bank refuses to take accountability and return my {$140.00} back to me. This is called theft. I've gone in and talked to a branch XXXX and she printed out a transaction record which shows that my money went in and was not rejected. So where is my money Chase Bank?
Product: Checking or savings account

My daughter opened a student checking acct with Bank of America in XXXX. My name was on the acct as well. BOA promoted these " beginner '' accts as non-fee. Later, the acct status was changed to their most elite product ( now known as " Advantage Relationship '' ) that required a minimum {$20000.00} average daily balance to avoid the XXXX XXXX monthly maintenance fee. Neither she nor I authorized this change as, obviously, a college student can not maintain that balance. XXXX XXXX, branch manager, at BOA unit # XXXX, suggested in a phone call on XXXX that this could be a coding error. 

BOA accts that benefit from direct deposit are also not subject to fees regardless of the balance. XXXX XXXX and her associate, XXXX XXXX, have confirmed this to us. Although my daughter 's paychecks have been direct deposited into this account since beginning her first professional job in XX/XX/XXXX, the XXXX XXXX monthly fee was still charged. So, for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ) qualifying direct deposits ( more than the {$250.00} minimum ) went into this acct. This indicates a refund due of {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency XXXX  removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX  and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 Compliance and Oscar must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a Metro 2 Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with Metro 2 standards and must be deleted immediately.
Product: Vehicle loan or lease

Company misapplied payment for XX/XX/2020 and posted all at once at a later date in attempt to correct after my correspondence. 

This was reported adversely for the month on CRAs I called on XX/XX/XXXX and was advised it would be fixed on CRAs when the account updated on XX/XX/2020 yet to be rectified unfortunately
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

Initially didn't want the loan, and when I realized I accidently agreed to it, it was already in my bank account. I started making some payments on the loan, and then realized that the payments I was making wasn't even paying off the balance at all, it was just paying off part of the interest. After losing my job and missing 10 payments, the loan has literally tripled from just over XXXX dollars to nearly XXXX dollars in under 2 years. The interest rates and other fees are so insanely high that there is literally no way to get on top of it.
Product: Checking or savings account

On XX/XX/year> someone initially try to make a charge on my Chase debit card of {$79.00}, I advised them I made no such charge. Chase Stated they would close the account and reissue me a new card. The card never was received along with the pin, on XX/XX/year> my wife contacted me while I was out at the store that someone had accessed our Chase accountant withdrew {$2000.00} from our Checking account and {$3800.00} from our savings account. We don't share our account information with anyone nor do we share our pin numbers. We notified the credit Bureaus, the Federal trade commission, Attorney General office. Chase claims to have investigated but put us off for over a month we had to call every day they never contacted us with any updates. Not till my complaint file with the XXXX 's office did I hear from Chase and even then they would not elaborate on the progress of the investigation. They did have my wife and I go to our local branch to view bank photos that capture the person impersonating me, I was not provided a copy of the photos, they're only excuse is because he had a pin number that it was some how ok. 
The security of the new card is faulty I never received it nor did I receive the pin they said was also mailed. I file a complaint with the XXXX XXXX XXXX service, what more does a XXXX have to do to protect themselves XXXX last note the withdrawal were made within a half hour or less at the same bank branch how can no red flag XXXX to XXXX withdrawal in minutes in various amounts.