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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BANK XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account XXXX : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) Account # : XXXX* 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.
Product: Credit card

spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period
Product: Student loan

{$680.00} of interest has accrued even though Im on the XXXX plan. Payments are set to begin XX/XX/year> even though I should still be in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 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. 16815-2 ( AX1 ) 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 filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as they are currently under investigation by the CFPB for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts dipsured as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency called me about an electric bill. I didnt know about it but told them I wanted to look into it. I also told them they are not to call my cell phone before XXXX cst since I work. Since then I have gotten calls at all times of day since then. I just called back to tell them that I politely asked them to not call until after XXXX ... .they lady told me they cant accommodate that. I told her all it is is putting a note on the file. She said they couldnt do it. I explained that I am a bill collector also and her response was ... well not at this office. I then told her to just remove my number all together. The company is Affiliated Credit Services and I believe they are Minnesota. I told them before that I didnt believe I owed a bill to XXXX XXXX. I still have not gotten a letter from them either. I am attaching some screenshots of my call history with times.
Product: Credit reporting 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 XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX under file number : XXXX with TransUnion, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( TransUnion ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX to update my address to XXXX XXXX XXXX, XXXX, XXXX. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the TransUnion website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( XXXX ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( XXXX XXXX street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( XXXX ) ; TransUnion, XXXX, and XXXX. 

Today, XX/XX/XXXX I sent ( XXXX ) certified letters to ( XXXX ) XXXX, ( TransUnion ) XXXX, and ( XXXX ) XXXX followed by the tracking numbers. I also sent TransUnion a copy of my employer XXXX for XXXX which verifies my address. I was told by XXXX it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Product: Debt or credit management

Ive used Lexington Law over the years. Ive found that they have charged unlawful fees.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use mobile device management XXXX XXXX XXXX and XXXX software on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX XXXX. They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID  ). However, I am sitting at about XXXX of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their Chick-fil-a runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX. XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX is that someone in XXXX XXXXr XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new XXXX, new number, and new email and XXXX XXXX - XXXX XXXX began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Product: Checking or savings account

On XX/XX/2020, I deposited a check of {$46000.00} into a proprietary Bank of America ATM near my home in Georgia. I received a notice at the ATM that a hold was being placed due to " check is a type which may be returned '' or something of that nature. This is a transaction account ( checking ), so it is subject to funds availability under Reg. CC. Reg. CC has 5 different exception holds besides a new account hold, which this is not a new account, as follows : * Large Deposit Hold * Redeposited Check Hold * Repeated Overdraft Hold * Reasonable Doubt of Collectibility Hold * Emergency Conditions Hold The Large Deposit Hold was not used, as that would have required {$5000.00} of the check to be available by the 2nd Business Day after deposit. Instead, the complete amount is being held until XX/XX/2020. It would seem that Bank of America used the " Reasonable Doubt of Collectibility Hold, '' but this language was not used on their notice. 

I called the Bank and spoke with them and they stated they needed to " validate the funds. '' Validating the funds is not an allowed exception under Reg. CC. Also, the check clearly states that it is for refinance proceeds and comes from a Settlement company. I don't understand why such a check would cause " reasonable doubt '' for collection. Bank of America would not do anything differently after I spoke with them. In essence, I am complaining that they violated Reg. CC in a couple of ways : ( 1 ) They did not cite an appropriately worded allowed reason for the hold, and ( 2 ) the reason they seem to be relying on is not logical.
Product: Debt collection

This account is 6 years old. And I was not aware of this account cause I'm not no longer at this address. This is a old XXXX bill which I can still get service on. But by them keep reporting this on my credit report its keeping me homeless. Everytime I apply for a apartment they keep seeing this collection on my report and denied my rental application. I don't have no problem paying anything but I need it to go out of collections. This bill is from XXXX. And some creditors had bought my account and been reporting it since then. Been homeless since then. XXXX yrs going on XXXX now. They name is, LJ ROSS creditors.
Product: Student loan

I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.
Product: Checking or savings account

Every month I use my card to pay for services, groceries, bills XXXX. Every month the bank and XXXX freeze my account under because it's outside of my normal spending. It is not outside of my normal spending. This is causing issues with my bills being late being unable to purchase food and medication. They can't be allowed to keep people 's money from them and then provide no solution to correct the problem when I call them. XXXX is no help neither is the bank when I call. They won't remove the block on my card no matter if tell them it was me making the purchases or not. They tell me that I have to go to the store to make a purchase with the card. I can't even barely walk so I hardly leave my house. I don't have a car for transportation and no family that can help with it either. Making purchases online is the only choice I have to get what I need and they prevent me from doing this.
Product: Mortgage

On XXXX I made a payment to Shellpoint for the amount of {$1800.00}. 

They have it called " Unapplied Payment ''. 

It was not applied to anything. 

The prior Escrow was at ( {$7900.00} ) After this payment, it was still at ( {$7900.00} ) The principal balance was at {$310000.00} After this payment it was still at {$310000.00} Shellpoint did not apply this payment to anything on the loan.
Product: Money transfer, virtual currency, or money service

I purchased a digital currency on Coinbase on XX/XX/2017. They sent me an email saying my bank denied the transaction. I looked in my bank account and they had taken the money from my account. I gave them the XXXX transaction number. I talked to my bank, they said I need to contact coinbase to solve. I opened a ticket the next day. I have sent 20 emails and they keep saying they are working on it. Its been 3 months. Below is the info I sent them. They are not responding. 


I made a purchase of XXXX ETH for {$600.00} on XX/XX/XXXX with my XXXX XXXX debit card on file. You ( coinbase ) took the {$600.00} from my account. You then sent me an email saying my bank declined the purchase! It did not! Below is the XXXX transaction number from my XXXX XXXX debit bank account. I contacted them, XXXX, and they said you took the money and I need to solve it with you. Thats when I opened a ticket. Here is the XXXX ID number. 

XX/XX/2017 WITHDRAWAL CHECK CARD COINBASE CHEAPSIDE GB DATE XX/XX/17 XXXX XXXX Here is my ticket number they gave me Case # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid off my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank ( {$1400.00} balance. Now, over a month later, Comenity still shows the last statement balance of {$1400.00}. I've asked them twice to report the paid off XXXX balance to the credit reporting firms. They declined to do so, stating that they only report once a month on the billing cycle. These cycles are 30 days long, so they should've reported the XXXX  balance already. Also, they still show that {$1400.00} balance on the account opening screen. You have to drill down to the Payments screen to find there's a XXXX balance on the account. 

I'm trying to refinance my mortgage ; Comenity 's failure to report a paid off account in a timely manner negatively impacts my credit score and impairs my ability to get a better interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies TransUnion and XXXX and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.
Product: Credit card

My apple credit card has been hacked and fraudulent purchases have been made in the amount of approximately XXXX XXXX. I have been working with goldman sachs to get this resolved since XXXX XXXX. I received a call from them XX/XX/XXXX. They want to know how I would like to pay the remaining balance which is not mine. They also are not helping me to get my {$6200.00} reimbursed- which is a automatic payment that was made with auto pay before I knew my account had been compromised. 

This is my second claim with CFPB. I am writing to find out if there is any help or guidance to be offered. I do not have access to the email associated with this account therefore I have no way of communication except for the XXXXXXXX XXXX. Each time I speak with someone I have escalated it to the supervisor. I am told I will receive communication via mail within 2 weeks-which has never happened. I have now been trying to get this resolved for 3+ months. I am at a loss of what my next steps are.
Product: Credit reporting or other personal consumer reports

I am composing this letter to request the elimination and exclusion of the specified accounts and associated information from my consumer report. The accounts and details listed below should not be present in my consumer report, as their inclusion constitutes a clear breach of both the FDCPA and FCRA. I urge you to promptly take action to delete and expunge this information from my consumer report, as it is in violation of numerous legal regulations. Please proceed with the removal of these accounts and information without any delay.
Product: Credit card or prepaid card

I have a credit card on my report thats not mine. I have never had a Bank of America card And when I call the number on the credit report she tells me we dont have a card under my social security number or name yet its on my report! The amount keeps going up and I cant do anything g about it. Its not mine
Product: Credit reporting or other personal consumer reports

I have recently disputed a XXXXXXXX XXXX  account # XXXX. This account is fraudulent and is not my account l. I've disputed XXXX and asked for proof and also the credit reporting agency. The response back from the agency is they have verified the account. 

15 USC 1681I ( 7 ) method of verification This law demands proof of the investigation that took place to verify the account. 

If the credit reporting agency can not provide it they must delete the account.