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

This complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA. 

I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct. 

For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA. 

Your tradeline - is incomplete and inaccurate. 

I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present. 

This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX  and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it. 

In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification. 

Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =? 
11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms.. 
13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.
Product: Credit card or prepaid card

I receive my unemployment benefits in California through a Bank of America prepaid card. Today, XX/XX/20, my card suddenly stopped working, i.e. the transaction was refused at point of sale. I then tried to log into my online account, only to be told " Your security information is invalid. Call the number on the back of your card. '' I did so, and an automated voice told me my card had been " closed. '' No further info was forthcoming, which is unacceptable considering people rely on this money to survive. I then began an hours-long odyssey to speak to a representative and find out what was going on. I still don't know. Every person I talked to said they had to " escalate '' the issue, this after waiting an hour to speak to them and repeating ALL of my information ( card number, address, etc. ) for the umpteenth time. After being on hold for hours and speaking to several people, the line disconnected. One hundred percent unacceptable, period, full stop.
Product: Credit reporting or other personal consumer reports

When I applied for an auto loan on XX/XX/XXXX with XXXX, they rejected my application and informed me that other people were using my SSN. I immediately contacted all three credit bureaus. They confirmed that only the last 4 digits of my SSN were visible and when I explained the situation about my auto loan rejection, they escalated my case to a supervisor who could see the full SSN. The supervisor confirmed that there was a discrepancy in my SSN : the third digit was incorrect in XXXX, and the entire SSN was incorrect in TransUnion. I mailed all my proof documents, and they informed me on XX/XX/XXXX that my SSN had been corrected. 

However, when I applied for another auto loan with XXXX on XX/XX/XXXX, it was rejected again due to concerns that others were using my SSN. I need assistance in correcting my details with all three credit bureaus. I have obtained credit reports from all three bureaus, but I can not find my full SSN listed. All other details on the reports are correct.
Product: Credit reporting or other personal consumer reports

comments to the company involved. 
I reviewed my consumer reports and noticed that I have XXXX late payment on an account XXXX XXXX XXXX XXXX XXXXXXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account that I have included screenshots this complaint in on dates of XXXX and XXXX  please investigate and provide proof and statement showing that these payments were late.
Product: Credit reporting or other personal consumer reports

Im XXXX XXXX, Implied surety. I have called and spoke with XXXX XXXX & they have finalized their investigation by you were not responsible for paying the amount under review {$1200.00}. I have received a letter 30 days ago tomorrow & I have reached out to Experian to have them remove it & theyre failing to remove it from my profile after XXXX confirmed I was not liable for the balance & they closed the account which is reporting negatively now & inaccurately false. I have a letter from XXXX XXXX to confirm what I am stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable account on my report also, they never send proper validation of the account. They told me it was verified but never send me back any form of verification or an original contract bearing my signature. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XX/XX/XXXX sales financing company One main XX/XX/XXXX ; XX/XX/XXXX personal loan company XXXX  XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Mortgage

on XX/XX/XXXX, new rez paid XXXX XXXX for a policy that is not mine. the policy was not in my name and the insurance coverage was inadequate to cover my loan amount. 
XX/XX/XXXXXXXX XXXX XXXX  notified me that this was my final notice before cancellation. 
i contacted new rez, inquiring about the payment. i learned they paid the wrong company. 
XX/XX/XXXX, new rez sent a payment to XXXX XXXX. 

of course, both insurance payments put my escrow account in the negative. i called for the XXXX  policy to be returned to my escrow account. this issue has not been resolved. 

on 4 occasions, a representative said that the error can not be corrected until XXXX refunds the payment. my problem with this is i have no control over the error that was made or when/if XXXX will return the payment. the XXXX payment needs to be credited back to my account. as of XX/XX/XXXX, the payment has not been credited and the representative says they have submitted a payment retrieval to XXXX. at this point, the payment retrieval is between new rez and XXXX.
Product: Debt collection

Account was set up in my name by my XXXX after I left the household. She never paid the bill in the amount of {$290.00} and now it is showing as a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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

Dear Madam or Sir : I am writing to express my objection regarding my CarMax Auto Finance Account XXXX which shows negative marks ( late payments ) on my XXXX as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, Car Max with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written Car Max to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why Car Max should  continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to Car Max and in fact paid off my account in full to Car Max nearly two years before the loan maturity date. It is the failure of Car Max to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by Car Max. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from CarMax in the form of their deleting their reporting from the Transunion and Experian agencies. Otherwise, I think CarMax owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my XXXX and XXXX reports or to delete my CarMax account from my XXXX and XXXX reports entirely. 

CarMax Auto Finance contact information is : CarMax Auto Finance Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how CarMax will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX
Product: Mortgage

We have been challenged with medical expenses compounded by tax obligations tied to a previous complaint with XXXX. I am writing to ask for the CFPB to review the policy for loss mitigation practices for Cornerstone Mortgage. I applied in early XXXX 2015 asking for consideration on a 6-12 month modification. They acknowledged receiving and asked for additional information. They state that they do not consider the options until deemed facially complete. My application was denied as we are not passed due therefore not at risk, the purpose in my applying was to avoid that situation and the potential increase in borrowing based on their reporting to the Credit Bureaus. To compound the stress with the situation Cornerstone continues to have their telemarketers call asking when I will make my payment even though a late fee is assessed for being outside the XXXX grace period. The mortgage is not past due until the XXXX of the month. I believe the language should be reviewed on loss mitigation for the consumer to understand you will not have any option until you are past due. In addition Cornerstone should not be advocating applying for a loss mitigation package and the ensuing documentation required if the consumer will not even be considered. To apply for the loss mitigation and continue to receive calls even though I am not past due is some form of harassment in my opinion.
Product: Credit reporting or other personal consumer reports

My Credit card account with Capital One was closed and charged off by them in XXXX of XXXX. They update the status to seem like it was charged off just this month ( over XXXX  years later ) and do so every month. The statute of limitations for this debt has expired but the company continues to lower my score each month by re reporting the last date of activity to be the prior month in order to reset the clock on an old debt. The last activity in this account was XX/XX/XXXX ( over XXXX  years ago ) and no activity occurred after that aside from them closing the account and charging it off in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Over the past XXXX years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.
Product: Credit reporting

I contacted Experian to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.
Product: Money transfer, virtual currency, or money service

I am fileing against cash app ( block, inc. ) due to inadequate customer service. And unfair practices. Which violate consumer protection act. ( CFPA ) specifically cash app failed to take timely and protective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic transfer fund act ( EFTA ) and regulation E. These actions have cause significant inconvenience. And financial loss. And I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have been a with COMENITYCAPITAL/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital Account was sent to collections in 2016 and is a medical debt that is in dispute. This account continues to renew monthly and is affecting my credit score negatively. The amount is inaccurate. This account should not continue to renew after it's been sent to collections especially when it's a medical dispute for an auto accident. Please remove from XXXX. it has been removed from the other two credit bureau yet still remains in XXXX.
Product: Debt collection

Today I received the 8th call from Matthews & Michaels Private investigator in XXXX, Texas Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They keep harassing me about a debt that my ex husband owes. My name is not on the debt. He calls during work hours. After numerous times telling them to stop calling me, they still will not stop. All calls are supposedly on a recorded line, and I know I have told them to stop calling me at least 6 times now. I will not and can not give them any information, they still call about every other week. I have finally blocked the phone number on my cell phone, but I am sure they will find a way around that. XXXX XXXX is the man that keeps calling me telling me that it is Urgent that I call and give them all information they require. That it is my responsibility to be sure that I get back in touch with them immediately.
Product: Student loan

Navient is releasing my personal student loan information to people not on my contract and not associated with my account. They are repeatedly calling and harassing my school, place of work, friends, and even parents of my friends.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of personal information on my credit report. After reviewing my credit report, I have identified several Inaccuracies that require immediate attention. I kindly ask for your assistance in rectifying these errors to ensure the accuracy of my credit profile. 

XXXX. Address Information : Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Ny XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, Ny XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ny XXXX XXXX : Please remove the incorrect addresses listed above from my credit report and ensure that only my correct address is reflected. 

XXXX. Name Information : Correct Name : XXXX XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Request : P lease remove the incorrect name variations listed above from my credit report and ensure that only my correct name, XXXX XXXX XXXX, is used. 

XXXX. Phone Number Correct Phone Number : XXXX Incorrect Phone Numbers : Any phone numbers listed other than the XXXX listed as my correct phone number is incorrect. 
Request : Please remove any incorrect phone numbers listed on my credit report and update my profile to reflect only my correct phone number. 

XXXX. Email Address Correct Email : XXXX Incorrect Email : any email listed other than the one listed as my correct email is incorrect. 
Request : Please remove any incorrect email addresses listed on my credit report and update my contact information to reflect only my correct email address. 

XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : any employment listed other than the XXXX listed as my correct employment is incorrect : Request : Please remove any incorrect employment listed on my credit report and update my employment information to reflect only my correct employment. 

I understand the importance of accurate personal information on my credit report, as it directly impacts my financial well-being and creditworthiness. Your prompt attention to this matter is greatly appreciated. 

If you require any further information or documentation to process these corrections, please do not hesitate to contact me at XXXX or XXXX Thank you for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX
Product: Credit reporting or other personal consumer reports

After having a credit card opened with XXXX XXXX XXXX  and then experiencing identity theft u had to close all my accounts and pay off all balances. The balance of {$630.00} was paid XX/XX/2020 over the phone and then the account was closed. The card still appears in my credit report and with a higher balance stating that it is delinquent and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today I noticed that it was some inaccurate items & accounts on my report I never opened or gave my consent to anyone to do so.