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

This is a confirmation that I am disputing several fraud inquiries on my Equifax report. I tried to get a solution in the past. I sent Equifax a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. 

I have attached a document. Please send it to Equifax. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had called XXXX XXXX to request update to an Account from " JPMCB CARD '', with Account number, to provide a Status updated that was still " open '' to reflect accurately as " closed '' since this account had closed as of " XX/XX/XXXX ''. This tradeline has been reflected as a reported credit line as a " Authorized User '' from " XX/XX/XXXX '' to " XX/XX/XXXX '' until Experience Report Number XXXX, Date Generated XX/XX/XXXX, had provided an update that the Address associated had been Deleted as was the card related account by " JPMCB Card '' stated " This item was removed from your credit report. Please review your report for the details ''. 

XXXX has been contacted on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to confirm the dispute was updated to correct the status on file however it was a result of JPMCB that had sent an updated reporting file to remove this item. My most recent contact with XXXX from XXXX confirmed this has to be resolved by the credit company not the reporting agencies. 

JPMCB was customer credit reporting XXXX was contacted on XX/XX/XXXX, XX/XX/XXXX, and XXXX. Most recently working supervisor XXXX it was confirmed that there was nothing performed from XXXX to have deleted the tradeline as there is no case record on file confirming this item to be deleted that is required by XXXX to remove an entire tradeline record for a report history. In order to delete an entire tradeline consent needs to be also given or provided in order to delete a credit reporting record. XXXX also recounted her previous XXXX colleagues supervisors, who previously assisted me over the phone, was sharing misinformation was provided that an investigation was provided across XXXX business days to correct the reporting and send an update to the XXXX reporting agencies to restore the reporting tradeline on record from XX/XX/XXXX to XXXX. XXXX went on to recommend only reporting agency can correct this reporting issue confirming that of the XXXX reporting agency only XXXX is still reflecting this tradeline on my credit report but XXXX both have been removed of its tradeline. It was provided that once the tradeline is removed XXXX can not restore this back to the credit report and only the reporting agencies can investigate further. 

Having this incorrect dispute removed of my tradeline has significantly impacted my credit score a XXXX points due to my avg account credit history has decreased by a one month across my active credit history due to this human error performed by JPMCB. With not responsibility being taken by JPMCB for sending an updated item removal without consent is the main compliant and not have any such escalation path to resolve this matter to continue reporting the credit history of the account on file.
Product: Mortgage

In late XX/XX/XXXXI started having problems handling the mortgage payments. I am a widow of a XXXX and a XXXX year old XXXX senior citizen. I am retired and do not make a lot of money. Between Social Security, VA XXXX Benefits and Government Retirement I am getting a gross amount of {$3900.00} a month. My mortgage payment is {$2000.00} with Wells Fargo Bank. I also have medical bills, food, home up keep and maintenance, Insurance, and utilities. I applied for a loan modification and Wells Fargo has been giving me the run around ever since. They stopped taking my payments and did not notify me of any liquidation options to resolve this issue. The keep saying that they need bank statements that I have already provided them with on numerous occasion. They told me they were waiting on me to send them a statement on why I did not finish the loan modification process and they even sent my case to a new employee to start the entire process over again. Lately the excuse is that my case is with the underwriters and they are waiting to hear back from them but the auction to sell the home is still on. I believe they have been running out time while trying to remove the house from the bankruptcy I filed in XXXX. I have no where else to go. I have had several people contact me from out of state claiming they could help litigate my case in court for a fee. My son told me that is a scam and stopped them before I signed anything and gave them any money. The auction is set for XX/XX/XXXX. Please help asap! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting documents to NCB management after disputing with all 3 reporting agencies and having the account reflect differently on each account but never received a response. NCB received the letter on XX/XX/2020, and I have still not gotten a response however they continue to verify the account with the credit reporting agencies.
Product: Credit card or prepaid card

Capitalone.com is refusing to send me statements showing my charges and credits for my XXXX card ending in XXXX. They also refused to verbally provide the information over the phone. Capitalone.com says that I can't get any information from them without providing them a copy of my driver 's license front and back. I refuse to provide the driver 's license due to fraud. I'm not asking for credit, but to pay my balance due in full.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : DPT EDXXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that was unauthorized and I have called and asked questions and made complaints still no change.
Product: Debt collection

I submitted a letter to the credit bureau on  XXXX / XXXX / 17 ,  XXXX / XXXX /   17  and  XXXX / XXXX /   17  in regards to a collection that is reporting on my   XXXX   report. I also submitted the consumer a letter on  XXXX / XXXX / 17  and they responded back on  XXXX / XXXX / 17  and the letter states if they have furnished information to any credit reporting agency on this account, a request is being submitted to the credit reporting agency to delete that information. The credit bureau responding on  XXXX / XXXX / 17  stating my dispute is still pending, received another report dated  XXXX / XXXX / 17  stating the collection was updated and received another report dated  XXXX / XXXX / 17  stating the information I disputed has been verified as accurate. On each of my letters i advised the consumer and bureaus to please send me copies of the documents that they have in their files as of this date ( of each disputes ) that they used to verify the accuracy of this account. The consumer and credit bureau fail to disclose any information that I requested to validate this accuracy under the Fair Credit Reporting Act. The account is still showing as a negative impact on my  XXXX  credit report and I have not received any validation. I would like for this item to be dele ted due to they fail to provide me documentation. I have never consult or sign and documents with this company Pinnacle LLC/Resurgent, which is also  going to  be a HIPAA violation.
Product: Debt collection

In the last couple month, I've been trying to deal with this company about how my name were used to obtain various credit. But they refused to work with me in a good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accidentally deleted my mortgage off of my report and in less than 30 days my score has dropped a total of XXXX points. How can this be fair l? I've called them twice and they said they couldn't figure our how it happened and can not give credit advise. My mortgage was reporting for years from Simmons Bank over {$500000.00} balance and they can just tell me they can not fix? Please assist me in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with capital one 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 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 card or prepaid card

MY unemployment benefits were seized back in XXXX of XXXX paid through the Arizona XXXX and has yet to be returned to us as promised by either the banking institution or the state agency during a time when we were homeless and about to attain a residence the money was taken abruptly from our accounts and we went without reasonable explaination for some time. 

The benefits are still showing as paid in our XXXX unemployment online account and were included on our XXXX from XXXX, reported as paid income however they never adjusted the balance to subtract the money that was seized from the benefits paid amount. XXXX assured us that they never seize benefits back from filers and would simply send out an overpayment notice or bill if thee was an issue. They also stated that have no record of ever receiving the benefits back from Bank of America and therefore did not adjust the benefits paid amount from our payment history. 

Bank of America still say they sent the money back but has failed to provide any additional proof to trace where the money actually went. The amount taken from Bank of America prepaid benefits card account is approxomately $ XXXX and was never adjusted on my unemployment insurance record to remove the money they seized from the XXXX balance. 

I am trying to obtain a status update on how and when the bank is suppose to be contacting harmed customers about repayments and to check if we were included as harmed customers because I have not received any information from the bank and they are just as unhelpful today as they were when we reached out to them XXXX years ago when the incident first occurred. 

ADDes tier 1 rep. Emailed the bank i fiemi g rhem that no miney was returned back to them feom Bank of America for my account. The bank recently told me they sent a check out to my old Arizona address back in XXXX, and several Bank if XXXX XXXX thereafter assured me that a new check was being expedited and mailed to me on XX/XX/XXXX or XXXX of XXXX. I call back days later and I go through the whole routine all over again and find out they have not issued a check and ill not be issuing it. It was stopped and then they refer me back to AZ XXXX who to date insists they never received benefits returned money back and do nit conduct business of confiscating funds from claimants, instead they would've issued a overpayment notice if there was a problem. 
Bank if America nor AZ XXXX have sufficiently or diligently resolved or addressed my concerns nor have they provided any type of update in regards to my inclusion on the CFPB order which fined Bank Of America for wrecklessly seizing XXXX benefits dueing the pandemic. I havent received any notice about repayment through that channel either. 

The XXXX still have no record of ever receiving the money back so I have been basically billed for a payments I never received and also.taxed for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to XXXX, Equifax, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus do not respond to complaints, they do not review evidence mailed or uploaded, they don't update my credit score properly, they don't provid me dispute results or a copy of my report. It has been more than 30 days for a few complaints and I even have called them and get the run around. They are required by law to do very specific tasks and they do not. I've provided mountains of data and evidence certified mail and uploaded into their system as an example for XXXX XXXX XXXX and they refuse to remove it from my report! I don't have evidence of validation, a cease and desist was mailed by my lawyer and it is to be removed until further notice. This is one example of failure to comply. Litigation will be pending by XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

My due date for my payment was XXXX XXXX XXXX, I called to make a payment around XXXX XXXX XXXX XXXX the automated system said my payment would be considered last because it was after XXXX XXXX. I talk to a customer service representative she avise me that there was nothing she could do because I had a late payment in XXXX. So I asked her about how much late fee charges would be ... since the new law got passed that it shouldn't be no more that {$8.00}, she said {$40.00} for the customer that previous had account, that new customers would be {$8.00}. I told her that was not what I had read about the new law on late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX must report accurate information. My credit report is reporting that my XX/XX/XXXX and XX/XX/XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. XXXX XXXX needs a better system to repos accurate delinquency. I reported to XXXX XXXX that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XX/XX/XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.
Product: Credit card

On XXXX, I paid off my Discover card balance in full of {$8900.00}. This was the account payoff amount Discover Card gave me. But, despite having a XXXX balance after the payoff, Discover Card now has assessed {$72.00} in purported " interest '' on my XXXX balance which, in reality, constitutes the exact type of junk fees former President XXXX promised Americans credit card companies would not be allowed to assess against loyalty customers anymore. Discover has even reported these junk fees on my credit reports. How a credit card company can assess " interest '' on a paid off account 's XXXX balance just defies logic and all semblance of reasonableness. Please help me CFPB as I am a XXXX American on SSXXXXI with a fixed income and budget. These junk fees cut into my monthly pharmacy budget for XXXX XXXX XXXX  as I am waiting on a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> Transunion : The following inquiry was not authorized and should not be reporting.
Product: Debt collection

ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : ALLEGED ACCOUNT # XXXX To whom It May Concern. 

THIS IS A NOTICE THAT YOUR CLAIM IS DENIED AND DISPUTED Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you 'ALLEGE '' 1owe. 

I am requesting proof that : 1 ) I am indeed the party you are asking to pay this debt ; 2 ) You possess original creditor documentation/business records with a full accounting using Generally Accepted Accounting Principles ( charges. payments, interest, eec. ) of the amount of this debt that can be presented as evidence. Also explain and show me how you calculated what you say I owe ; 3 ) Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records ; 4 ) There is some valid contractual obligation which its binding on me to pay this debt, and 5 ) You, as a debt collection agency, produce documentation from the alleged creditor authorizing you to contact me and pursue the collection of an alleged debt that you or your client has ownership of this debt ; 6 ) You must show proof show that you are legally registered in the state of XXXX  and a legal debt collector and show your XXXX business license with your business insurance bond and bond stamp on it. Only number on a piece of paper is not valid proof. 

Your legal staff will agree that compliance with this request is required under the laws of XXXX  and Federal Statutes. 

Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. CEASE AND DESIST CONTACT AND DELETE SAID ITEMS FROM MY CREDIT REPORT UNTIL THE INVESTIGATION IS COMPLETE. ALSO, DO NOT EVER CALL ANY OF THE PHONE NUMBERS THAT ARE PUBLICLY LISTED IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT ... XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason