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

This is my fourth 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 alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX  Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.
Product: Credit reporting

I had a good credit standing with XXXX for over 2 years and paid in full.. XXXX is only able to report my good standing paid in full with XXXX, as XXXX and Transunion are no willing to report closed accounts that had Ch XXXX prior to getting the loan. XXXX XXXX issued a letter and an apology fearing if they report it to TransUnion and XXXX, the XXXX agencies will report me as open account which will cause me more harm. I contacted Transunion and spoke to a supervisor name XXXX and I wrote to XXXX & both agencies are not willing to help me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX MTR Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across TransUnion, XXXX, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : XXXX and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Opened XX/XX/2015 for the amount {$4500.00} place on my credit report. I never assumed or granted credit from Perfection Collection. XXXX XXXX went out of business and they forgave all money owed due to poor business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau XXXXesponsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXX XXXX Account Number : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the US BKPT CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Transunion XXXX XXXX on XX/XX/year>, complaint number XXXX regarding a collection account from XXXX XXXX XXXX XXXX XXXX is currently reporting on my credit report. I provided Transunion with a copy of the XXXX Police Report, and FTC Statement. Transunion, came back on mutilple occasions and stated the account was verified. At this time I would like for Transunion Information Services to provide the documentation that they used to verify and vaildate the accuracy of the collection account according the FCRA, by conducting a reasonable invesitgation.
Product: Checking or savings account

CITIZENS BANK REFUSAL TO ALLOW THE OPENING OF A PERSONAL CHECKING ACCOUNT AND BUSINESS CHECKING ACCOUNT.
Product: Checking or savings account

Capital One placed a hold on a check that I deposited yesterday. Received an email from their Cybersecurity department first telling me that only {$220.00} would be available the next day, ie tomorrow. Then there was another email stating that the funds would not clear until next week. 
The company has had derogatory actions on my account on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all non-account holding inquiries : XXXX XXXXXXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

Im having issue with Midland Funding LLC account number XXXX. Its been deleted. 
They now reopened an account through Midland Credit Management not under the original account number of XXXX but under their made up number called MCM account number XXXX.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I noticed accounts being reported as late that were not late. Also, inconsistencies on time frame of being late.
Product: Mortgage

Rushmore Servicing obtained our mortgage on XX/XX/XXXX. I was told no one could speak to me for a couple of weeks as they didn't have the files.

I tried to call many times and was on the website and was told that I couldn't receive any information as they had been cyber hacked.

Then I was told they couldn't talk to me until they verified that I was in fact the Executor and that my court papers were authentic.

Then I was told that they had to get verification of the death certificate ; they felt it was fraudulent because it was too many pages.

Then they told me they couldn't talk to me still because they didn't have the Executor paper ; but found it during the call in the file they had ; but had to get approval again before they could talk to me. 

I received a letter in XXXX stating that they had the mortgage and understood there was an issue due to the death of my father, and that they were going to put any foreclosure motions on hold so we could get it straightened out. 

In XXXX i was finally given access to the account and told I needed to pay {$10000.00} to bring the mortgage current no later than XX/XX/XXXX. They signed for a cashier 's check in the amount of {$10000.00} which they signed for on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating that the amount I sent ( more than they asked ) was not sufficient and I needed to call to find out what they now needed. 

I found out on XX/XX/XXXX that despite all of my communications, payments, calls and efforts, they began foreclosure procedures in XXXX and were foreclosing on XX/XX/XXXX. I received NO information about this, but they were able to continue to tell me to send money. Which I have done. I was told that if I sent the additional funds, they would stop foreclosure. 

I wired more money. They received it on XX/XX/XXXX before their deadline. On the morning of XX/XX/XXXX they told me that I still had not sent enough money because that morning they had added an additional {$1200.00} fee. No one could explain the fee or why the mortgage wouldn't be reinstated based on my payment on XX/XX/XXXX and their agreement that was the amount of money they needed. 

You can never speak to the same person, EVERY person you speak to tells you to do something different, send a different amount, etc. I have been told on multiple occasions that a supervisor would call me. That has NEVER happened in spite of more than XXXX requests to speak to a supervisor. I have asked every call to speak to my " Dedicated Loan Specialist '' and every time they refuse to allow me to speak with this person that signs the letters and is designated as my contact. I have been told they can not transfer m calls to anyone except that person that answers the call and that all of the decisions to help clients are " made behind closed doors. '' In 8 days they are going to take our family farm ; not because I wasn't paying the mortgage but because they wouldn't accept the payments, lost payments, said they shredded our cashiers check and continue to change the amount due on a daily basis when I pay what they ask within their time frame. 

This needs to be stopped and I need help!
Product: Checking or savings account

I have a business account with Wells Fargo. On XX/XX/XXXX, an unauthorized transaction was charged to my account : three charges of {$21.00}, {$42.00}, and {$42.00} from XXXX XXXX. The charges went through XXXX, which took the payment out of my business account. I contacted XXXX to say the charges were unauthorized and I had not bought anything from XXXX XXXX for 2 years. XXXX informed me that I had a former relationship with XXXX XXXX, and they refused to reimburse me. 
Wells Fargo had charged me 3 overdraft fees of {$35.00} a piece. I have a XXXX XXXX and my money comes in sporadically as I am paid by insurance companies. I don't usually have extra money in my account as I have a 1099 worker I must pay as well as rent and other bills. 
After XXXX refused to provide me with any help, I contacted Wells Fargo and filed a dispute. However, they informed me that they could not help because XXXX stated that I had a relationship with the company. Neither XXXX nor Wells Fargo acknowledged that I had not bought anything from XXXX XXXX for 2 years. 
I contacted XXXX XXXX who informed me that the charges were for the company saving my files in their vault. I told them I had never agreed to that and they canceled that plan. They had also promised to reimburse me for the unauthorized charges, but I never received the reimbursement. I had also told Wells Fargo about my contact with XXXX XXXX, but they still told me there was nothing they could do. 
The extra {$210.00} that was withdrawn from my account, including the original withdrawals and the overdraft fees, caused a cascade effect that has led to {$1100.00} in overdraft fees since XXXX. I had called Wells Fargo twice to ask for help in stopping these increasing overdraft fees. They reimbursed me for XXXX overdraft fees, {$70.00}. I was told that they are only allowed to reverse XXXX overdraft fees a year. They also told me there was nothing else they could do to help me. 
The overdraft fees of {$1100.00} over the last 2 months have caused me a tremendous financial burden. As of today 's date, XX/XX/XXXX, I am still being charged overdraft fees. I don't know what to do, and Wells Fargo has refused to help me. I will probably close my account with Wells Fargo, however, it is a nightmare trying to change all the insurance companies that I receive payments from.
Product: Credit card

I bought a TV from Best Buy in XXXX of 2013. I spent about {$2000.00} on it and charged it to my Best Buy Credit Card under a 3 year no-interest promo. I set up automatic payments for {$60.00}. XXXX so I figured that it would be payed off in plenty of time. Originally the credit card was a best buy credit card with XXXX but a few months after i set this up, they switched over to XXXX XXXX. I had to set up my auto pay all over again when this happened because i missed a few months of payments thinking that they were auto charging. I caught up with my payments again until they switched once again to another company- Citibank XXXX I had to catch up on my payments again and set up auto pay again. My payments continued to come out every month until XXXX of XXXX when there was another issue with my automatic payments. I set those up again and by XXXX My balance was only about {$110.00}. I was going to just call and pay it off but I did n't because I figured that the automatic payments would take care of it. I even called them and confirmed that they were set up so that I could make sure that it would be payed off. They reassured me that I was on track so I just allowed the automatic payments to come off. I checked a few months after this because I noticed that they were still taking the automatic payments off from XXXX. I checked my account only to find that there was a {$1200.00} interest charge applied to my account. What happened was that I bought something on my Best Buy card between when I last talked to them and XXXX. They applied my automatic payment to the new purchase that I made, defaulting my original balance to go over the 36 month interest free period. This is the most fraudulent, dishonest thing I have ever experienced from a credit card company or any company for that matter. I have talked to them multiple times and they will not budge. I am going to file a small claims suit against them this week and I would like to also file a complaint with this bureau. Thank you for your time! 

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

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.