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

I sent a letter out XX/XX/2022 to XXXX XXXX Transunion, however its been more than XXXX days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.
Product: Credit reporting

Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

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

I.C. SYSTEM, INC Original creditor : XXXX XXXX  I tried disputing this many times with XXXX, XXXX and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX that I have no outstanding balance with them. When I contact XXXX they don't recognize account number or balance being reported by I.C. SYSTEM, INC. When I contact I.C. SYSTEM, INC I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX RE-INVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 
EQUIFAX is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to EQUIFAX and neither did I XXXX XXXX provide information or give them permission to report information.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX
Product: Checking or savings account

The following phone number sent a text pretending to be Chase Bank : XXXX ( XXXX ) XXXX. They sent the following text message : Chase Team : We've temporariy suspended your onine access because the maximum number of unsuccessfu sign on attempts has been reached. To restore your access, pease verify : XXXX XXXX XXXX verify Thank you 2022 Chase Online
Product: Bank account or service

About three yrs. ago, my husband was notified re : stolen credit cards and identity theft. The people who stole his cards spent over {$12000.00} with his cards. Everyone except Wells Fargo immediately refunded our money back to our card balances. Wells Fargo kept over {$4200.00} of our money and refused to refund our HARD-EARNED MONEY. XXXX, XXXX XXXX, XXXX and XXXX refunded back to us nearly {$8000.00} by doing the right and honorable thing. How can these MONSTER-MEGA BANKS steal money away like that and get away with it? Someone needs to go to prison for this! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many companies I don't know or ever even heard of destroying my great credit. Even my own lease account with chase has filed many times over one late fee I refused to pay due to them being closed during covid. The phones did not work, app did not work. There was no way to pay them for 3 months or more. I payed the entire balance immediately the first time I was able to get them on the phone. They filed on me with chase, JPMorgan Chase and JPMorgan. 3 times! I also have banks like XXXX XXXX filing many times. I've never once done business with them nor ever used them to finance anything whatsoever. Many others too I don't know. XXXX, XXXX, JPMCB, XXXX XXXX ( no associations ), XXXX ( no association ), XXXX ( don't know them ) Credit Bureau 's are negligent and walk all over good people. I have one car through chase that is payed up, all other bills are payed on auto draft too and never filed against my credit. What is going on? I even pay extra for XXXX XXXX to fight for my identity and credit protection. It's proving to be a losing battle. I'm so tired of this. I even had a person call from XXXX XXXX  pretending to be a federal agent and said all my accounts would be closed due to drug trafficking charges. The warrant was fake along with every other detail. 
Stop this nonsense for God sake, help me please. I'm at the end of my tolerance for Credit Bureaus and Bank scandals. I'm doing what I'm supposed to be doing. I don't deserve this.
Product: Debt collection

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$1600.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Product: Debt collection

We received a bill from a company fir a line of credit we did not open. The company is Fortiva. There are no charges related to purchases only fees due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to transunion XXXX and XXXX and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Product: Credit card or prepaid card

I have tried calling the credit card company after multiple attempts made to login to my account to make my monthly payment with no luck. I usually make my payment around the XXXX of each month and only message I get when trying to login is : We're sorry. Citi.com is temporarily unavailable. 
Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call XXXX ( TDD/TYY : XXXX ). We apologize for any inconvenience and appreciate your patience. 
When calling the number the automatic system transfers you to the credit card area and when you ask for customer service it eventually tells you due to high call volume please try again later which still has gotten me no where. I would like to pay my bill for last month I never miss a payment and here we are they are probably charging me a late fee for their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding SunTrust Account 's. Disclosing personal information to create multiple accounts reported to the XXXXXXXX Credit bureau and currently i am fighting this assignment fraud. XXXX Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : CSMC 2019 RPL3 TRUST V. SHIRLEY BAKER, ET AL Div : 31 - XXXX XXXX. Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXXXXXX case ( XXXX ) XX/XX/XXXX : 2020 XXXX  cici : XXXX XXXX XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX fl XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collection on my credit report that is in the amount of $ XXXX.The name of the company is NCB Management Services . NBC opened a collection account in my name XX/XX/2021. They have called me several times asking me to address the dedt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or UPDATE all information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested the 1099C because I didnt receive it the agent began to let me know that this is attempted to collect a debit. I said that Im calling about the 1099C and they refused to answer how I was able to get the information they repeatedly telling me its an attempt to collect a debit I said how are you collecting on the debit when the company charges it off. they charged off the account and written it off they began to tell me that because the debit was charged off that doesnt mean I dont owed the debit and I just hung up the phone.
Product: Consumer Loan

I returned the car back to CNAC and I am sure they resold the car I do not owe this much I had to return the car myself when I told the person I could n't afford this car she said if they come get it I owe XXXX up front HOW DO I CHECK INTO THIS the amount they have ca n't be real if they resold the car PLEASE HELP GET THIS OFF MY CREDIT
Product: Debt collection

This company states their name is fresh national collection, Bureau Inc. their phone number is XXXX. The website to pay your dad is XXXX  and that is no email address website available it says the domain is for sale. It leaves all account a reference number for XXXX it's coming to me under XXXX. This is totally made up and fraudulent. They're sending me text message of a screenshot of some paperwork that even looks fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Product: Debt collection

I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. 

The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. 

The collection company has re-aged the false debt in its reporting as a matter of fact. 

The company has failed to act on my request to stop collection efforts and return the file to the creditor XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders. 

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Product: Credit card

XX/XX/year> I spoke with customer service. 
I asked about the interest charge on my account. They explained that I had not paid my balance statement because I had not paid my statement balance by the time it was due even though I had been making payments during the month to payoff the balance or at least that is what I thought. 
I requested that they reverse the interest charge. They said that they needed to submit my request because I had already asked for one on the previous statement. They said that I would get a decision but I was never contacted. 
I had set up auto pay in the past but they told me that for some reason that it was no longer set up. ( Maybe I did that ) They did send me an e-mail on how set up auto payment but the directions did not line up with what I saw on my screen on both my android or the computer. So I decided to just make payments during the month thinking that those payments would be applied towards the balance statement. 

XX/XX/year> When I looked at my new statement, I see that I was charged more interest even though the total of my payments during the past statement period was more than the balance statement from the last statement. I tried calling but all I got was an automated message. I tried various ways to get to a live a customer service representative but I only got the automated message time and time again.
Product: Credit card or prepaid card

XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.
Product: Checking or savings account

Ameris Fraud that there wasnt any fraud pertaining to my account and to credit it back to my account.
Product: Checking or savings account

Company Name : Bank of America , N.A . 

Product or Service : Checking Account Issue : Fraudulent Check Handling & Lack of Fraud Prevention Description of the Issue : I am filing a formal complaint against Bank of America for their failure to prevent fraudulent checks from being cashed, which resulted in significant financial harm and account restrictions. 

After previously experiencing an issue with XXXX Bank, I later encountered a similar problem with Bank of America when they allowed fraudulent checks to be processed without warning me that they were scams. Instead of flagging these suspicious transactions or notifying me of potential fraud, Bank of America allowed the checks to be cashed, leading to negative balances and further financial issues. 

Despite banks having fraud detection systems and verification processes, Bank of America failed to properly warn me or prevent these fraudulent transactions. As a result, my account was affected, and I was placed in financial hardship due to their negligence. 

Actions Taken by Me and the Company : - I deposited checks that I later discovered were fraudulent. 
XXXX Bank of America failed to flag or warn me about suspicious activity before processing the checks. 
- The checks were later reversed, leaving my account overdrawn. 
XXXX Bank of America took no responsibility and did not assist in resolving the issue.
Product: Mortgage

I have been struggling financially for about a year now and my mortgage company offered to put in a forbearance program that would suspend my mortgage payments for 6 months with further consideration after the 6 month period is over. They said they don't report late payments to the credit bureaus during the 6 month forbearance period and I can either make a payment or not. Its meant to give me some time to get back on my feet. 

However, they have been sending me letters that my payments are missed and that I owe them 2 months of mortgage payments. They even sent registered letters. I have called the customer service people 3 times and they assure me that the paperwork sent to me is a formality, however, I'm not so sure. It looks like on paper that they are setting up a case for foreclosing on my home while claiming over the phone that I can miss payments while claiming on paper that I'm in default. Its very confusing and I feel like I'm being set up to lose my home and they are misleading me intentionally. I don't know what to do. I can't make up the two back payments in one lump sum right now and I'm worried that they are preparing to foreclose while telling me everything is still ok. It looks like my only option is to sell my home but in Colorado, there's nowhere to go. My mortgage payment is lower than the average rent for an apartment and I can't qualify to buy a home because I'm priced out of the market. Is there anything you can do?