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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Experian has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent my information to LVNV FUNDING LLC for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX XXXX  XXXX which is false and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, I the affiant is aware and have proof that Experian has and continue to violate my consumer privacy rights. I the affiant observed XXXX violations on my consumer report. Experian is and continues to be in violation of 15 U.S. Code 1681 ( A ) ( XXXX ), 15 U.S.Code 1681 ( A ) ( XXXX ), 15 USC 1692 ( D ) ( XXXX ) ( XXXX ) 15 USC 1681 ( A ). Even after being informed numerous of times that the information was incorrect and should not be on there. I have been injured numerous of times from Experians gross and negligent and willful behavior. These inquiries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and mental anguish.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 a transfer in the amount of {$30000.00} was being initiated from our account. We were alerted and physically went into the bank the morning of XX/XX/2023 and spoke with our representative of our account. She said that somehow money had been moved from my savings, and a rolling loan into my checking account and an ACH transfer had been initiated out of my account waiting for my approval. At that time she was trying to put a hold on my account. After that moment all of my account seemed on hold/ cards, payment etc. but the transfer according to headcounters was approved by them but would not give me or my lawyer any information as to who approved it or what the reasoning was. The only information we have been able to get is when we did a police report on XX/XX/2023 the local branch offered them information The police case with XXXX XXXX XXXX XXXX. We have spent countless hours on the phone and writing emails back and forth. But the bank just seems to say we are out of luck and that no one really knows who or why our account was hacked and they have no way to show it or advise on the best way to go about it.
Product: Credit reporting or other personal consumer reports

I contacted ChexSystems about what is on my report since none of the banks I applied for membership never provided me the report. ChexSystems never contacted me.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate these inquiries that I believe is reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiry in question so that you may do as you are governed by the FCRA. I have tried to contact this company on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. These companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>XXXX XXXX
Product: Checking or savings account

CITIBANK OLD ACCOUNT # XXXX NEW COMPLAINT # XXXX This is my third complaint regarding an unresolved issue. I was notified that my account would be closed on XXXX, and all subsequent correspondence has stated that the process would take 30-60 days to complete.

It is now past the 60-day mark, and I have yet to receive the funds from my closed savings/checking account. I spoke with XXXX in the Executive Response Unit, who informed me that they need to verify the last check deposited before releasing my funds.

I already provided the employer 's name and contact number for verification but have not received any updates. I am resubmitting this information as part of my complaint and reiterating that this verification should have been completed within the promised 30-60 days. It is unacceptable to extend this process beyond the stated timeframe outlined in your terms and conditions. 

The payroll check in question was valid, and I am still employed by that company. Verifying this check and releasing my funds should not take this long. I request a clear update on the status of this matter by the end of this week. 

Employer Information XXXX XXXX XXXX XXXX : XXXX XXXX Contact Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to equifax - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CH-XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to XXXX - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit card

XX/XX/XXXX On XXXX my XXXX XXXX XXXX XXXX XXXX Specialist called Citibank XXXX the issue on my XXXX Credit Report dated XX/XX/XXXX which indicated the following erroneous information ; a ) New Address was listed on my credit report for Citibank ( I lived in XXXX and has been residing in my current address for XXXX years ). 
b ) My Citicard account on my credit report indicated that I have a balance of {$62.00} dollars. It must be noted that my Citicard account had been closed since XX/XX/XXXX with XXXX balance. I had recalcitrant issues with my Citicard credit card in the past due to unauthorized/ fraudulent transactions. On XX/XX/XXXX, XXXX Citibank Fraud Dept representative reported to me that all the fraudulent / unauthorized transactions in my card have been reversed and my account had been closed as per my request with XXXX balance. 

Moreover, my aforementioned call on XX/XX/XXXX to Citibank yielded no definitive answers for the above issues. I had been transferred to almost XXXX different personnel and different departments from Customer Service to the Fraud Departments. All of them were just passing the buck and primarily deflecting that their respective departments don't have the information for my inquiries. These calls ( with multiple call disconnections ) lasted for almost an hour and a half and yielded no results. My XXXX XXXX Specialist advised me then to report this to CFPB for resolution to this ongoing issues with Citibank. 
Thank you. 

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

I sent a letter requesting validation of accuracy of my personal information and inquires to your company. It has now been 30 days and have not received any information regarding my dispute. 

Federal law requires that consumer agencies respond promptly within 30 days. Since your agency has received my letter. ( Proof enclosed ). You have violated my rights has a federally protected consumer to conduct a reinvestigation within 30 days. 

Original Letter enclosed Proof of identity enclosed Proof of receipt
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I have a car loan through XXXX. In XXXX of XXXX  I had paid off XXXX  % of the loan with no delinquent payments or derogatory information. 

In XXXX, my credit score just dropped from excellent to very good. My overall credit utilization remains under XXXX %- which is normal for me. This includes the auto loan. 

I received a XXXX alert with a negative factor on my Experian account. It said that " the remaining balance on this installment loan was relatively high '' and impacting my score. That is the only negative factor ever reported on my Experian report. 

I called Experian to see why, at the XXXX  % installment loan paid off milestone, Experian is saying the balance is too high. This information never showed up on previous reports. 

They were not able to explain and said it might " correct next month ''. I do not accept this answer.
Product: Prepaid card

I contacted Rush Card via the phone. Informed the rep that I had several codes and ask which promo would be bet for direct deposit. Gave the code, waited. Had problem setting up the direct deposit. Finally did and did n't receive XXXX $ sign on bonus. From XXXX I called daily being given th4e run around. I was told my code was invalid, I would receive the bonus. Needless to say when I informed the rep I was recording her rudeness she hung up. I was physically writing down her comments. I was repeatedly lied to and informed that I had been escalated and promised resolution and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! Their retort- When an account closes, XXXX has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed XXXX must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer.
1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column.
2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?
Product: Mortgage

I enrolled in Bank of America 's Pay Plan XX/XX/XXXX. They debit 26 biweekly payments from my primary bank account and apply those payments on the first of each month to my balance.

This month, even though they are holding {$1700.00} in debited funds, they have not applied it toward XXXX 's payment. 

I have contacted them on 3 separate occasions. The first, on Wednesday, XX/XX/XXXX, the customer service representative said she was able to apply the funds and it would be reflected on my account within 48 hours. However, the payment is still outstanding and the funds have not been applied. 

I called back yesterday and waited on hold for almost an hour. They were unable to apply my payment. As of this morning, there has been no progress on making my payment. 

I tried making a manual payment on their website, but they wanted to charge me a fee due to late payment, even though I'm a month ahead on my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  XXXX Balance : {$8500.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Date of XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of wanting to purchase an apartment and noticed I had damages on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report as it is defamation of my character.
Product: Mortgage

I paid a tax {$1100.00} to XXXX XXXX XXXX XXXX XXXX on time. Bank of America made a mistake whereby the taxing authority returned the money to my account and Bank of America paid them the above amount plus {$220.00} in late fees. The mortgage payments are deducted from my cheeking account on the XXXX of the month automatically. Bank of America erroneously opened an escrow account and fund it out of my payments thereby making my loan payments partial payments and late for the last XXXX months. I have spoken to several persons in customer service and escrow department. I am promised the problem will be fixed it is not. I have a letter dated XXXX/XXXX/2015 my loan will be accelerated by XXXX XXXX. I was told to send a letter asking the bank to remove the late payment history from the XXXX credit bureau, I did. I was told I must also contact the bureau myself.
Product: Credit card or prepaid card

Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX that they flagged account saying its closed. With know explanation.
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.