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 Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian 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 XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXXXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I received a report from XXXX pulled from experian credit report in reference to a denied application. I used this screening report in accordance to my fcra rights and protections to file a dispute. My dispute was never resolved after waiting 35 days or so, I decided to fix my report myself and contacted the debt collection agencies myself. Based on the information provided to me I successfully had the inaccurate information removed & called to tell rentgrow about this. Property told me to reapply. Im denied again and given a second credit screening this time with more inaccurate information. Very suspicious, apartment community is saying rentgrow is denying my application. XXXX is saying thats not true, the property manager is denying my applications. Im not even sure whats going on and why does my report keep changing almost by design? Im very concerned about my civil rights and protections by violated by all parties involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account incorrectly listed on my credit report. The details of the account are as follows : Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX TX XXXX Phone XXXX XXXX XXXX Account Type Installment Secured Loan Date Opened XXXX XX/XX/XXXX Date Closed XXXX XX/XX/XXXX This account does not belong to me but rather to my ex-partner XXXX XXXX. The debt associated with this account was sold to XXXX XXXX XXXX which subsequently initiated legal action. We prevailed in court as the court 's decision mandated that the debt be removed and deleted from credit reports. Despite this decision the account remains inaccurately listed on my TransUnion credit report. The continued presence of this account is unacceptable and must be addressed immediately. If this matter is not resolved promptly I will have no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau and pursuing further action through my attorneys office. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the account 's removal without further delay
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 Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I revoke all power of attorney to Sequium Asset. Sequium Asset does not have a certificate of Authority to do business in Alabama. Sequium Asset have not sent me a dunning letter but they have put a fraudulent account on my credit report.Sequium Asset do not have the authority to collect any money from me.Sequium Asset is guility of racketeering, forgery, and obstruction of justice.Sequium Asset is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Sequium Asset, Violation of15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Sequium Asset. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations.Also, I have attached a copy of the false reporting on my credit report with a fraudulent open date, fraudulent amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX openXX/XX/XXXX Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( Equifax, XXXX XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX  o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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 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 or other personal consumer reports

Remove these accounts. 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 Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX I checked my credit report on XXXX XXXX XXXX and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information confirming the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment on inaccurate or unverifiable information. ( A ) After any investigation 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 ) delete that item of information, as appropriate, based on the results of the investigation; and ( i ) notify the furnisher of that information that the information had been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reposting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On Monday, XXXX XX/XX/2020, I applied for a US Bank Reserve Line of Credit. 
With the knowledge that my credit was reported with a XXXX balance, I hoped to get approved within a few days. However, the interactive voice system told me that I was denied credit, and a few days later, I got a letter explaining that the reason I was denied credit was because they were unable to verify my identity. 
I have spent a little over a year disputing with all three credit bureaus, as well as the previous creditors, to update my legal name on file.
Product: Debt collection

Account name CONSUMER ADJUSTMENT CO Account number XXXX TWO collections on my credit report since a XX/XX/2022. I was XXXX  with my XXXX  child in XXXX of XXXX  - and this has since destroyed my credit and my opportunity to buy a house for my daughter and I. It says XXXX XXXX. I wrote a letter in the mail, emailed, and called for information about this debt - no reply, no response, no call back. I have disputed it several times on my credit report and they continue to deny my dispute. I have NEVER been to XXXX XXXX!!! I never received ANY mail or information about this prior to it appearing on my credit report. It is destroying my credit and its NOT MINE!!!! I called XXXX XXXX  and asked if they could look my name up and they said they dont have it in the system. The representative told me that people can sign up using any phone number and never pay and it will get charged to another persons account. I searched my emails and have NO emails from XXXX XXXX. My phone # was not in XXXX XXXX  system. I need this removed asap.
Product: Checking or savings account

I am writing to formally dispute the reporting of an account from First Nation Bank of Omaha that has negatively impacted my credit report. This account was closed without my knowledge and was subjected to multiple unauthorized and unjustified fees, which I was not informed about and did not consent to. 

I believe this account has been reported inaccurately and unfairly due to the following reasons : The bank imposed multiple unknown and uncalled-for fees without proper notice or justification. 

The account was closed without my knowledge or consent, preventing me from addressing any potential issues before closure. 

The bank failed to provide transparency in its practices, leading to an unfair impact on my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. I demand that this account be removed from my credit report as it is unjustly damaging my credit standing. 

Please review this information and take the necessary action to remove this account from my credit file. 

I request written confirmation of the removal of this inaccurate information from my credit report. If this issue is not resolved promptly, I am prepared to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. 

Please confirm receipt of this letter and provide a response within the legally required time frame.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
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 Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 requested two months of COVID relief plan with Toyota financial Services ( TFS ) in the month of XX/XX/2020. I mailed the COVID-19 releif contract plus a payment of {$96.00}. TFS declined that they did not recieve my mail and check, but I confirmed with the post office it was delivered. Then I mailed the revised contract and payment in XXXX, but was returned to me for unkown reasons. I contacted the company three times using online form as well as on the phone. Finally, I was able to pay the amount online and now it is corrected online. However, TFS reported to all three credit bureaus that the account is deliquent. I submitting this complaint for them to fix this issue right away as I am in the process of applying the mortgage loan. This is error on part of TFS not me.
Product: Bank account or service

I received a check from what i thought was to be my new job and deposited it before doing any work or spending the money i called USAA to verify everything was good to go since this was my very first job outside of the XXXX and had never dealt with payment from anyone else. The funds were available immediately and I asked the USAA representative if I needed to wait on anything else or is it that once the money is there it has been cleared The USAA representative let me know that everything was good to go and there was nothing further that would need to be done. This happened about a total of 4 times all to find out that i was being scammed and the only reason i found out is because i called and asked a question to USAA after that i have been given nothing but the run around with XXXX member being very understanding while she filed a second fraud alert for me she stated she did n't know why i was given false information and why they did n't check into it when i initially had inquired about the situation. She said the only notes on my account stated that I would be reliable regardless of it being a fraud/scam case because it was my account. She tried to get in contact with someone in management yet was not able to. Every time I call USAA i am given the run around leaving me with the burden of fixing what they failed to do. I am beyond frustrated and out of all my money. They do not seem to care one bit nor have they tried in anyway to resolve this issue. I was given checks from a closed account which were returned on XX/XX/XXXX. This is now a FBI investigation case because it is happening without the companies knowledge and outside of state lines. It is occurring in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been told by my legal assistant that usually the bank makes the customer whole but it is up to the bank. I feel that i banked with USAA not only because I am an XXXX but because as a bank i would think they would verify things that would keep my money and myself safe from such situations.
Product: Checking or savings account

Greetings, I can not locate two CDs ( {$4000.00} and {$6000.00} from Bank of America in XXXX, XXXX  on XX/XX/XXXX, XXXX. I made several attempts to locate them, to no avail. Requesting " HELP ''.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

Midland credit XXXX ran a hard credit report without my consent.
Product: Mortgage

After signing up for automatic payments with Ditech they coded several payments as principle only and did not apply them to our bill and now they are trying to charge us for late fees. I have called the company three times and they told me it is not my fault and they will take care of it but I just received a letter informing me they are trying to collect a debt. I do not owe them anything as all my payments were made on time through their automatic payment plan.
Product: Checking or savings account

On XX/XX/XXXX, {$860.00} was withdrawn from an ATM without my knowledge out of my Chase savings account. I promptly filed a fraud complaint through Chase. On XX/XX/XXXX, Chase bank credited my account for {$860.00} while they investigated the fraud claim. On XX/XX/XXXX, Chase reversed the XX/XX/XXXX credits out of my account. I called Chase in order to inquire as to why the credits had been reversed. The Chase associate on the other end claimed the Chase investigation found no evidence of fraud, therefore refused to reimburse me for the stolen funds.
Product: Credit reporting or other personal consumer reports

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay.

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made.

I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.