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

On or around XX/XX/2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to TD Bank, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( TD bank ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite TD Banks own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After TD Bank violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and TD Bank once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process TD bank has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition TD Bank has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave written Pursuant to 15 U.S. Code1681 ( a3 ) .Equifax assumed a vital role in evaluating my consumer credit and other information about me. have a right to privacy. Pursuant to 15 U.S. Code 1681 - ( a4 ) Equifax didnt exercise their grave responsibility. Equifax was unfair, impartial and did not respect my consumer right to privacy.

Pursuant to 15 U.S. Code 1681b ( 2 ) I never instructed Equifax to create this report, and I never consented to this report. 
Please remove all accounts from my consumer report permanently. I am aware of the Equifax Credit Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all 3 credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information
Product: Debt collection

I have 4 accts that are not mine but continue to report on my file when they were actually a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Did 2 Hard inquires on my account, on the dates XX/XX/XXXX and XX/XX/XXXX I did not authorize as I do not even know what XXXX XXXX  is. XXXX used a hard inquiry on me in XX/XX/XXXX for XXXX credit before I even began using credit Or attempting to on the dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, Dept of ed/ XXXX # XXXX, US Department of Edu XXXX XXXX, XXXX  XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit Report there are XXXX fraudulent accounts reporting. I have been disputing these fraudulent account for years now. I have sent in all supporting documentation to prove that these accounts do not belong to me at all. Police reports, FTC reports, address verification. Still to this date these accounts are still reporting and t the credit bureau is refusing to assist me in this matter. I recently filed a complaint with this agency and the credit bureau Experian responded and informed me out what to send it to have these accounts blocked and removed. I have submitted the information and they still have yet to remove these accounts from reporting.
Product: Student loan

I am filing a complaint against Sallie Mae for what I believe to be an unjust termination of a reduced payment plan agreement and for not providing full disclosure regarding the limitations on the number of reduced payment plans available to a borrower over the lifetime of their loan. 

Details of the Complaint : Agreement Breach : I entered into a reduced payment plan with Sallie Mae, which was supposed to last for XXXX years after making XXXX qualifying monthly payments. 
I made the first qualifying payment as verified by my bank statements. 
Despite this, I received a notice from Sallie Mae the following day stating that I was removed from the payment plan for failing to make the first payment, which is factually incorrect. The payment was authorized on the day of the agreement was signed ( XX/XX/XXXX ) and the payment was cleared within XXXX hours. 

Misrepresentation and Lack of Disclosure : Upon contacting Sallie Mae, I was informed for the first time that a borrower is only entitled to two reduced payment plans over the lifetime of their loan.

This limitation was never disclosed to me at any point during my loan agreement or while setting up this recent payment plan. 
The lack of disclosure and subsequent use of this undisclosed policy to terminate my payment plan constitutes misrepresentation. 

Impact : This unexpected cancellation of the payment plan has caused financial distress and uncertainty regarding my loan repayment strategy. 
The misinformation and sudden policy enforcement have also led to a lack of trust in the loan servicing processes of Sallie Mae.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX XXXX 
I have XXXX clients. They paid me XXXX XXXX each .that 's their payment from selling me good services. 
XXXX XXXX XXXX XXXX XXXX XXXX 
Someone had a dispute with me XXXX time, but I fixed it and refunded my money. 
I want to complain to paypal. They suddenly and permanently limit my accnt without explaining the reason. Mine is fine to sell on paypal. Everything they asked for. I gave in. then XXXX day I suddenly received an email saying that it is permanently limited. I am being too careful with paypal. I hope you can help me to restore my account. I have begged and begged for it several times. I left my accnt first. So I can get my balance first because I need it because it's more support for my family. Thank you very much.
Product: Checking or savings account

On XX/XX/XXXX I visited XXXX in XXXX to look for XXXX season tickets. I found some I wanted and called the phone number on the ad ( XXXX ) XXXX and we agreed to meet in XXXX Texas. While I was on the way he called to say he couldnt meet but that he could walk me through using XXXX. He said I owed him {$1500.00} for four tickets and to ease my mind I could XXXX him {$500.00} and then he would send me two tickets and then I could XXXX the remaining {$1000.00} after I got the first two tickets and he would send me the last two. He even said fraud happened to his daughter once and Wells Fargo immediately gave the money back. 

I signed up for XXXX on my Wells Fargo account and loaded in his information. It came up with a XXXX XXXX. After I sent the {$500.00} he called me and said " did you know you can only XXXX one {$500.00} transaction a day? '' and he hung up on me. When I tried calling back the line was dead. I immediately called Wells Fargo and they said they would open a claim. Weeks later I got a letter from Wells Fargo saying the claim was closed because the money was already sent and processed by XXXX XXXX XXXX account. 

I called Wells Fargo and asked them why they closed the claim and they said when someone uses XXXX it is instantaneous and if I authorized the transaction, there was nothing Wells Fargo could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is my 3rd complaint filed against XXXX XXXX XXXX in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. ** My account with XXXX XXXX XXXX, XXXX, was closed and paid in full 4 years ago. For years XXXX Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that XXXX XXXX has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on Equifax. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID,  and when I disputed it with Equifax, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have XXXX letters from XXXX people at XXXX guaranteeing this was taken care of. And here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. 
Please have early warning clear my name.
Product: Checking or savings account

I was trying to open the Citi XXXX checking account for the last 10 days. 
XXXX XXXX XXXX. Completed online application, went thru verification process, setup the initial deposit money and everything done successfully. 

Citi has a usual habit or pattern of making simple things complex. Moreover Citi has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. Just because they are issuing me the check book and in the name of customer security - they asked me to send the signature card. Which i send it successfully using the online fax last week. But once they are asking me to do the same. This is ridiculously waste of time, resources and money. 

When i called upon the phone # in the email : XXXX. It has the XXXX based system which expects that customer has their account number ready. As my account is not open till now - how i can provide my account number? They have alternative way of verifying the customer like last XXXX of XXXX but that option is also not working. 

For my spouse XXXX XXXX - similar kind of stuff happened and finally she gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX RE : Equifax Acct # XXXX XXXX XXXX Acct # XXXX Dear Sir/Madam,  I kindly ask your help in the following matter. I received an alert via XXXX XXXX. 

The following account XXXX is outdated and should no longer be reported the date of first delinquency on this account was XX/XX/XXXX. 
The following account # XXXX is in error of reporting and amounts owed. I have been paying this account at a XXXX payment center but it charge off account.
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Product: Credit reporting or other personal consumer reports

XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : XXXX XXXX. Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : XXXX XXXX XXXX Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both XXXX  and Transunion about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

XXXX and Transunion kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least XXXX agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?
Product: Debt collection

I requested debt validation from debt collectors debt collectors provided invalid documentation for my signature. Instead provided printed name
Product: Credit reporting or other personal consumer reports

I received an alert saying JP Morgan Chase attempted a hard inquiry. I called Chase and they didnt see an application for a line of credit. This inquiry is still on my credit report and I want XXXX XXXX to contact me about this and remove the inquiry. 
Alert XXXX XXXX Alert type : pull attempt while locked
Product: Debt collection

On XX/XX/2018 AT XXXX for the second time I tried to speak and explain that i did not receive services as agreed but I still wanted to fix the problem if I get proper credit for the money I paid for undelivered services for the 6 months while I was overseas.First they put me on hold and then put a collection agent on the phone so he could insult me by yelling and attempting to intimidate me.He screamed at me and called me a liar saying I upgraded my property with their equipment to get a discount on insurance and that I committed fraud demanding money. He threatened me and said would put a lien on my home and whatever it takes to get me because I am a liar. he also threatened me with a poor credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged account/negative activity associated with my credit report. I submitted a dispute to Equifax, XXXX and XXXX on XX/XX/XXXX. Companies responded that all information was true and accurate. This is not a Fact. I disputed a bankruptcy listed on all 3 reports. The dispute came back as verified by all three bureaus. XXXX XXXX XXXX has been listed on my credit report as being a part of the bankruptcy since XXXX. XXXX, Equifax and XXXX have furnished false information on my report for almost 5 years. As you can see in complaint # XXXX XXXX XXXX XXXX confirmed that they were never included in the alleged bankruptcy. This response was sent to the CFPB on XX/XX/XXXX. This is 60 days after I was told all information is accurate, in which is not the case. Equifax, XXXX and XXXX have violated 15 USC 1692ga validation of debts. This violation has caused me mental anguish and stress. Equifax, XXXX and XXXX are in violation of 15 U.S.Code 1692 ( k ). please delete this alleged bankruptcy and all accounts associated with alleged bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX.
Product: Debt collection

On XXXX/XXXX/XXXX, upon returning from a work conference out of town, I opened a letter from the Credit Clearing House of America. This stated that I was being sent to collections for an unpaid bill from XXXX XXXX of {$490.00}. I could n't recall ever seeing a bill for this so I searched through two years ' worth of bills that I received through mail and via email. I could find no record of this bill. 

On XXXX/XXXX/XXXX I called CCH and they suggested I call XXXX. At XXXX I spoke with XXXX. He said the bill was for service dated XXXX/XXXX/XXXX. I told XXXX I had no knowledge of ever receiving this bill. He stated that his records showed XXXX XXXX had never sent me an invoice for the service. XXXX said he would speak to a manager and call me back. 

In the meantime, I searched my bank accounts to see if perhaps I had paid the bill and did n't remember. I could find no record of a payment in my current bank accounts. Unfortunately, my bank account in XX/XX/XXXX is different than my current account. I called the bank but it would cost an exorbitant amount of money to get those statements. 

I called XXXX back on XXXX/XXXX/XXXX. I spoke with a different representative, XXXX. She also confirmed that XXXX XXXX had never sent an invoice. This representative stated that they sent the debt to collections on XXXX/XXXX/XXXX. The first letter I received from CCH was XXXX/XXXX/XXXX. I did tape this conversation and have that recording available to validate never receiving an invoice. 

Upon further research of this issue, I found references to a term called " parking '' a debt - where collections will not act on a debt until the person applies for a mortgage or loan. My husband and I had inquired about a mortgage in XX/XX/XXXX.
Product: Mortgage

I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. 
I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.