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

I initially filed this dispute with Experian on XX/XX/XXXX. The complaint id is XXXX. By law and the Fair Credit Reporting Act, Experian took longer than 30 days to respond and is required to remove these fraudulent items from my credit report. I filed another dispute noting this that they closed as " duplicate ''. IT IS NOT A DUPLICATE. 

BELOW IS A LIST OF THE FRAUDULENT ITEMS ON MY CREDIT REPORT THAT YOU ARE OBLIGATED TO REMOVE. 





Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX  INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX,
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 the
y 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.

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! 


Update the late payments from my consumer reports
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 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, has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the nations financial system. It emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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 card

On XX/XX/year>, I filed a dispute with Discover Card regarding a charge of {$140.00} by XXXX for ordered items not being received. However, Discover Card failed to resolve the dispute within 90 days as it is legally required to do so per FCBA. As the attached document clearly indicated that Discover failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), Discover has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. 

I reserve the right to pursue all available legal actions against Discover Card for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, to avoid further legal action against all parties involved.
Product: Checking or savings account

On XX/XX/2018, Simple Bank associated with BBVA Compass bank reflected an incorrect available balance on my account of {$200.00} which was incorrected as my account was at a low/negative balance at that time and all prev purchases were still showing either pending or cleared and no transactions were missing from my bank lender showing no indications that a previous transaction didn't post or deduct fund from my account and this issue showed to be a system issue from Simple Bank not accurately reporting my current and up to date balance. Because of their system incorrectly determining my correct balance their system allowed a pre paid card previously set up on auto payment and attached to my account via a debit to deduct funds multiple times without my authorization or any funds available in the account to cover said transactions. I have never authorized Simple Bank or BBVA Compass for overdraft services or to cover my account in case of authorizations without funds to cover and appears to be in violation of overdraft regulation. This occurred due to Simple Bank system not correctly posting transactions to make account and creating a false positive balance to allow charges to clear when funds were not available. I also have screenshots from Simple 's website and mobile site reflecting these balance. I have also been being charged international transaction fees on my account when no out of country use or authorization has been preformed. I attempted to resolve this issue with Simple Bank directly but they are refusing to make right an issue caused by system errors on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from Cornerstone services without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking XXXX to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Product: Payday loan, title loan, or personal loan

When I needed to refinance my loan, they made me get additional {$500.00} added to my loan. One Main Financial stated that that was the only way to refinance my auto loan.
Product: Debt collection

OnXX/XX/XXXX 2021 I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.
Product: Credit card or prepaid card

BJs charged an annual membership fee to a Mastercard that is under my social security number without my permission and the card was never activated. Therefore I had no knowledge of the charge. BJs charged late fees to the card and later closed the account for non payment that I did authorized which severely affected my credit score. BJs have since reversed the charges but the negative information is still affecting my credit score. Please remove the negative information from my credit report. Thank you in advance for your assistance.
Product: Debt collection

XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX XXXX, the policy was canceled on XX/XX/XXXX. Prior to this, I spoke with a XXXX in billing, he was explained that a prior payment made by myself was returned and asked if I would have time to make replacement payment before policy cancels. He stated clearly I would have opportunity to make said payment before cancellation occurs, which I did not .... The policy then canceled shortly after on XX/XX/XXXX. Payment was mailed around this time in form of a XXXX XXXX money order, the payment receipt portion was discarded unfortunately. Lately, I've been receiving a number of calls from CCS ( XXXX XXXX XXXX ), reps were advised payment was sent and still attempt to collect on debt and or refer me to XXXX XXXX. I will not make another payment ... If original was lost in the mail, misplaced by XXXX XXXX or intercepted by wrong party then that is not my fault. XXXX XXXX rep did state I could make payment before cancellation, this could have been avoided, had that rep not lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on my Equifax, XXXX and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX
Product: Checking or savings account

Bank of America still claims that Postal Money Orders are checks because the ATM doesn't recognize them as such. They continue to put holds on the money orders. The don't listen to the complaint.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, XXXX DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have posted information into a consumer report without my permission violating my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified XXXX  through a dispute ( attached ) about two inquiries from Factual Data and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from XXXX  dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with XXXX  with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from XXXX  dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by XXXX.
Product: Checking or savings account

I had a account with Wells Fargo and today I found out they have closed my account because of lack of activity. I don't think this is a sufficient reason to stop my account from being active. I use the account to cash personal check but most of my bank activity is used for business at XXXX XXXX. They did not contact me over the phone or email to warn me. I just got a email that it was closed and I called and they had no answers or solutions. This is not the first time I've had a negative experience with Wells Fargo. The bank has terrible customer service and their online site isn't as advanced as some of my other banks. I hope that anyone in the future looking to choose a bank do their research and be careful when dealing with Wells Fargo. I won't be doing business there any longer in the future or attempting to reopen my account.
Product: Credit reporting or other personal consumer reports

I have previously notified the bureaus that I am a victim if identity theft, and yet they continue to let fraudulent items be added to my credit report.
Product: Debt collection

In XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  a company named Hunter Warfield which is a debt collector. I was sent back investigation completed and account was  verified. On XX/XX/XXXX I sent Hunter Warfield a certified letter asking for verification, this company has not sent back verification as of this date. The amount in question is XXXX. I am requesting this amount be removed from my credit report.
Product: Credit reporting

To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my 2nd attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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
Product: Credit reporting or other personal consumer reports

You are Still false advertising a sale for XXXX on XX/XX/XXXX that never happened to assist your XXXX XXXX in fraud. You have two of your employees names attached XXXX XXXX and XXXX XXXX as seller. Your client XXXX XXXX has now sure you are aware that he cash XXXX XXXX XXXX XXXX checks in my name into an account at XXXX known as XXXX XXXX XXXX and made police report XXXX handled by detective XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX and are requesting you work with XXXX. XXXX and telecheck. He are using two fake SSN numbers XXXX and XXXX. Also he used an fake lender on an letter from XXXX XXXX XXXX under record id # XXXX XX/XX/XXXX as Michigan homeowners ASSI. 

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXX mortgage department XXXX XXXX and he said - a guy name XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and using your loan attach to another loan XXXX for XXXX to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are Illegally Violating my rights by reporting a Bankruptcy that they have yet to provide how they verified. This is causing harm to my report and hindering me from providing my child with the best life.
Product: Credit card or prepaid card

Capital one arbitrarily lowered my credit limit on XX/XX/XXXX, XXXX from XXXX to XXXX because I hadnt used it enough. I have an impeccable credit rating of XXXX which will be lowered due to this. I had planned to use this card to cover part of a very expensive cruise we were to take in XXXX, 2020, but the cruise was canceled. My wife spoke with Capital one today, and was told by a supervisor that the decision was final, could not be reversed, and nothing could be done. I am furious that my credit rating will be damaged by this. Furthermore, the supervisor informed me that this could happen to my other account, both of my wifes accounts, and that she would have no way to notify us until we received the actual letters, as I did today. This is reprehensible. Through no fault of my own, I am being penalized for being financially responsible.
Product: Debt collection

Portfolio Recovery Associates, LLC continues to call and threaten to sue to recover debts that were discharged in Bankruptcy Ch XXXX # XXXX. 

I informed them on three separate occasions that they are in violation of Title 11, Sec 524 Bankruptcy Discharge Violation. 

They refuse to stop calling.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.
Product: Credit card

WF is a XXXX  disgrace. Its customer svc it's useless. I spent over hour hour I've got disconnected XXXX by a so called advocacy group rep XXXX in AZ 2x. One time by XXXX in the XXXX, Once by XXXX in AZ and once by XXXX another so called customer advocacy. I couldn't place a {$37.00} purchase online. Merchant ( Hot Topic ) Claims it was WF blocking the transaction. All these people listed above dropped the ball NONE of them took care of the issue, they disconnect the call and had me call all over again. When I tried to complaint to this so called advocacy group both females, XXXX and XXXX hung up on me they did not fix or solve the issue. It is a bloody disgrace and willl be canceling this account with their ripoff fees and APR. No wonder WF it's under the water and legal issues