23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 
Account : XXXX XXXX XXXX : # XXXX Account : XXXX : # XXXX Account XXXX : # XXXX Account : XXXX : # XXXX 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. 

I have already submitted several complaints through Equifax, XXXX, and XXXX and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the three. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
XXXX XXXX XXXXXXXX Reporting different dates in which account was open across Equifax, XXXX, and XXXX. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received letters from Bank of America that someone had attempted to cash a fraudulent cheque of {$11000.00} in my account ending in XXXX. Both my accounts were closed as a result- the case was reported to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX- and I was asked to contact these two organizations for more information. I attempted to reopen a new account at Bank of America and other institutions but failed because of the information these institutions had on file. I needed a bank account to function as I am a XXXX at XXXX and can not even use XXXX  as a result of the identity theft. 

I contacted XXXX XXXX and was asked to procure an identity theft report and a police report before my information could be removed. I did this and submitted the information and after an investigation XXXX XXXX removed my information from their system. 
I contacted XXXX XXXX next and after submitting these two credible reports to XXXX XXXX XXXX I was told a reinvestigation by Bank of America was underway. However, a few weeks later I was told Bank of America would not have XXXX XXXX to remove my information from their system. 

It is very unfair that they are preventing me from opening a bank account anywhere since I am A VICTIM and can not even receive money from my parents in XXXX because of this. This is why I am reaching out and asking that they kindly allow early warning to remove my information so I can get a bank account with another financial institution. I am a XXXXXXXX XXXX XXXX and a bank account is imperative to me being able to function in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( two accounts ), & XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquires for XXXX XXXX, XXXX   card be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Payday loan, title loan, or personal loan

I have already called Yamaha XXXX  about the motorcycle they also reported it to the credit reporting agencies that it has a charge off I asked them for my 1099-C form, because anything over {$600.00} as a charge off can receive the form and add it to their taxes because it is then assumed to be an income to said individual. I have yet to receive it as well as they have put it on my credit report and refuse to move it as a charge off I have asked them several times about this incident and they refuse to remove it from the credit agencies or send my 1099-C which is a violation of 15 USC 1681b ( a ) permisable purposes. 
My account with Yamaha XXXX has my name XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX  attached to it Account # XXXX Via Yamaha finance
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX XXXX in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau should be required to have live agents to answer the phone. I had to freeze my credit because the credit bureau 's can not keep my information safe. Then when I need to open an account I have to go unfreeze my credit. Their website does not allow me access even though I answered all the security questions correctly. They want me to send in a letter. I need the account open ASAP. If someone answers the phone I could get help. Everything is automated. A company with this much control over your financial business should be required to have real staff to help out on unique situations. Its is unacceptable to not be able to get a resolution without sending in a letter. Completely frustrating, unprofessional nonsense. Its like having a XXXX service that you can not call. I can call my local XXXX and get someone to pick up the phone. This needs to be addressed and have stringent requirements installed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simmons First has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the Experian to let the know this account is closed. They keep updating it saying that it was verified as open. Ive called and spokenXXXX XXXX, XXXX Bank and they have verified that the account is closed.
Product: Checking or savings account

Chase bank is blocking ALL avenues of communication to resolve freezing $ XXXX & even harassing us my mocking attempts to talk! 

My brother 's inquiry into his old acct had been mis-labelled " fraud '' ( by bank teller ) on my mother 's new checking acct. They froze my mom 's new acct. I submitted POA in order to resolve. Chase will NOT honor POA. 

Now Chase REFUSE to speak to any of us my mother-owner of acct my brother who wants to withdraw inquiry & is trying to eliminate claim of fraud or me -- I've gotten a Power of Attorney in order to speak for my mother, but Chase refuses to honor it Chase instead sends us on ENDLESS loop of call this dept who transfer & disconnect & /or say they can do NOTHING Finally a person from " escalation '' ( XXXX ext XXXX ) phones me & asks ME to verify myself -- since she called me & I'm tired of jumping thru hoops that DO NOTHING I say no. You can verify by calling me back. 

She does not call back I call her back & she refuses TO SPEAK TO ME TIL 3 MORE DAYS. 
That's just a control & HARASSMENT move to let us know they are in 100 % control. There was NO REASON to not speak to me & make me wait 3 more days while my mom has XXXX money for food & to pay bills. Her $ XXXX is frozen with NO AVENUE for resolution. Chase is just keeping her money & MOCKING our endless attempts to resolve this. 

Their whole strategy is to keep my mom 's money & NOT speak to any of us! 

Chase needs to open avenues of resolution not play control games to NOT speak to issue
Product: Credit card or prepaid card

I did not receive my payroll direct deposit and calling the customer service department did nothing to resolve my issue.
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for Equifax compared to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. XXXXDispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  acct XXXX XXXX XXXX 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 XXXXXXXX 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 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.
Product: Credit card or prepaid card

I applied and received American Express credit card in XX/XX/2022. The promotional offer on card was 0 % interest for 15 months. As soon as I received card, I called customer service and confirmed that I had interest free card for 15 months. The representative confirmed that I did, but when I checked my statements after couple of months, I found out that I was being charged interest rate. I called in XX/XX/XXXX to discuss this matter but I was told that my card offer was declined. Amex never informed me about it by email, paper mail or phone and infact, they continued to assert that my card did not have promotional offer. I filed the official complain and I was asked to wait for 4-6 weeks. I called again in end of XXXX but I was told to wait for couple of days. I called again on XXXX XXXX and I was told to wait for 2 more weeks and the issue is not yet addressed. 

There are three facts of this complain : 1. I was offered a promotional offer of 0 % interest and was confirmed by AMEX on phone.

2. I was told my offer was declined later, but I was not informed about it.

3. Amex continued to charge interest for three months until I found out about it.
Product: Debt collection

Wakefield and Associates began reporting as a collection account on all three of my credit reports in XX/XX/XXXX. This collection account was for a medical claim with a date of service of XX/XX/XXXX with XXXX XXXX XXXX of XXXX. 

I never received any written correspondence Wakefield and Associates. I found out about the account because of an alert from a credit monitoring app. I called Wakefield and Associates to ask what this account was and immediately when I found out it was a medical account I asked was my health insurance billed. I was told it was but when I called my health insurance company there was no claim on file for the date of service XX/XX/XXXX. Wakefield and Associates said I was " wrong and I could either pay or dispute it ''. 

I called XXXX XXXX XXXX of XXXX numerous times both in XXXX and XXXX. I was always told my account " was under review '' and unfortunately did not write down dates or who I spoke to. 

On XX/XX/XXXX I called the XXXX department of XXXX XXXX XXXX of XXXX and spoke with XXXX who I was told was the customer service representative assigned to my account. XXXX claimed this was the first time she was hearing about the claim not being filed with XXXX NJ health. So I immediately called XXXX NJ XXXX and again inquired if there was a claim and again there was not. I asked for that in writing and was mailed the attached letter. 

I called XXXX back & gave her the case number I was assigned by XXXX NJ XXXX as well as the claims address and phone number. 

I called again several times speaking with both XXXX and a supervisor XXXX and was told that the information I provided on XX/XX/XXXX was emailed to an internal claims department but because of the nationwide Covid-19 shutdown- there was no time frame on a response. 

On XX/XX/XXXX I spoke with XXXX again and was told that I was correct. XXXX who is the account manager replied to XXXX saying my insurance company was never billed and they submitted the claim to my insurance company to be processed. XXXX XXXX XXXX of XXXX said they contacted Wakefield and Associates the last time being XX/XX/XXXX to withdraw the collection account. 

I called Wakefield and Associates on XX/XX/XXXX and was told that they had no notes in my file to stop collection activity. 

I called XXXX XXXX XXXX of XXXX again asking for something in writing so that I could submit it to Wakefield and Associates and was told there was not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two items on my credit report with Equifax. I requested proof of debt, and they failed to provide any proof, and Equifax just referred me to contact the creditors.

I contacted the two creditors and neither one could provide proof of debt either. 

Both items remain on my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an electronic funds transfer for {$20000.00} from a company that we do not know or recognize on my business account with Banco Popular XXXX XXXX. The transaction memo read XXXX XXXX XXXX XXXX INDUSTR SALE. Internet research of XXXX XXXX XXXX didnt yield and credible results and we were unable to contact the company to disucss this EFT . 

On Monday XX/XX/XXXX I called Banco Popular 's fraud department to find out the details of this transaction. They were unable to provide me with any information and indicated that a investigation will be opened. After they complete the investigation they will send me the results by mail. 

On the same day XX/XX/XXXX I went into my local branch to see if I can find out any specific information regarding this transaction. The branch was also not able to help me. They opened another fraud case. Indicated that it will take XXXX  days to complete and that it is not guaranteed that I will get my money back. 

I have security measures set up on my account. I have XXXX step verification set up for my online account. With any ACH or wire transactions through the banks webcash portal I have a token.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

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. 

XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 : 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, credit repair services, or other personal consumer reports

I disputed an account on my credit report due to wrong information. The company wrote me a letter back saying that the account will be deleted off of my credit report. It has been over 30 days and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.

This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.

( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.

( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.

( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.