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

Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, XXXX  and Equifax in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and Equifax and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX Equifax : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

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

I demand the late payment reported 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 XXXXXXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX XXXX immediately! 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>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

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 


Request for Action : 1. Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report. 
XXXX. Compliance with the FRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthorized inquiries on my report violate this provision, and I demand compliance to maintain accurate and fair reporting. 
3. Stop Collection Activities : I request that all collection activities related to any fraudulent accounts tied to these unauthorized inquiries be stopped immediately.

FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumer 's credit report, such as my explicit authorization or a credit application initiated by me. 
These inquiries were made without such permission, and I believe this is a clear violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA. 


Requested Resolution : 1. Immediate removal of all unauthorized inquiries from my credit report. 
XXXX. A full investigation by the CFPB into this violation of the FCRA XXXX. Ensure that the credit reporting agencies comply with the FCRA to maintain Accurate information. 


Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Checking or savings account

I am tired I am with many problems the bank closed my account I dont pay my lawyer of divorce and impossible now I do the complaint because my ex husband did the file of divorce I did contacts with the XXXX and called to the bank I dont received my check since on XXXX I am on XXXX almost 4 months o had many problems with lawyer and my apartament I dont pay because of bank unfortunately I need find a lawyer of the bank pay damages finances and emotional I would like copy of checks I did deposit but the bank never return bank or pay my check
Product: Mortgage

Ocwen loan servicing will not let me make my payment. I have tried repeatedly! On Friday they would not let me pay it over the phone. They said they would call me on Monday and didnt. They called me tonight and said that if I had answered the phone yesterday I could have paid over the phone but now I need to go to the bank and get a certified payment and they would allow me to make one months payment. Im not kidding they will not let me pay my payment. And this has gone on for months. And, they said that my account rolled into foreclosure today even though I tried to reach them for the last several months. 

Tonights rep was especially arrogant and rude He claims to be XXXX XXXX, # XXXX. 
Ive also dealt with XXXX and ... XXXX?? 

I can never, ever reach the agent who was supposed to be assisting me that they assigned.
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. 

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 rights 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 items 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.

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 a bank of America secured visa card where I have deposited {$5000.00} to obtained the visa card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with bank of America. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence bank of America imposed $ XXXX yearly fees on the secured visa card. Since my balance was XXXX I was not getting any statements from bank of America. As I submitted my loan application for mortgage and checked my credit score I see bank of America reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to bank of America and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a XXXX balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured visa card which was imposed without my knowledge and without any sorts of communication. Please tell bank of America to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.
Product: Credit reporting or other personal consumer reports

I disputed several errors on my credit report with XXXX and Equifax, ever since my credit hasnt been updated on my membership. I have called, provided the personal information validation, and everything else and still havent seen my credit report update in 5 months on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law. 

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law. 

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Credit reporting or other personal consumer reports

Deceptively marketed credit scores and credit related products including credit monitoring, enrollment in negative option products without obtaining consent, failed to offer simple mechanism for cancelling products and failed to provide required disclosures. Misrepresented products were free or {$1.00}, also misrepresented that credit card or other payment info would be used for identification purposes rather than payment, misrepresented the central characteristics of XXXX  and credit score
Product: Debt collection

On XX/XX/XXXX I get a call from a private number the girl on the line says that she is trying to serve me papers and needs to know when I will be available. I tell her im not and ask what it is for. She tells me she does not know provides me thw phone number XXXX and gives me case # XXXX. I call the number and anothet lady answers the phone and says she an answering service. She asks for my case # and the calls my by my first name and xfrs me ( if your an answering service how do you have my name ). A guy named XXXX answers the ph and takes the case number and asks how he can help. I advise I want to know why they are trying to serve me. I advise him that ive been scammed before and the previous girl gave me no details he said servers dont have that information he confirmed my name had me confirm my dob year he then gave me my month and day of dob and then my current address he said my file was down the hall with the attys placed me on hold while he got the file. Comes back on the phone and tells me that they are pursuing me for an old auto loan with HSBC for a XXXX XXXX that I had on XX/XX/XXXX that had a left over balance of {$7000.00} and that it is now up to {$17000.00} and they are going to file a 10yr judgement against me. My red flags are all over so I begin to ask him about thr collection practices as this debt was charged off with HSBC as they sold the car at .. He said you still owe the debt and charged off doesnt mean anything. This is not true as I work in a XXXX and I know the collection laws. I then ask him why have I never gotten notice he says that the address the company sent it to which i have not lived in over 6yrs ... He also states he mailed me a letter to my current address in XX/XX/XXXX of course I never got it. I ask him who he works for he states XXXX XXXX XXXX XXXX office is in Kansas but they are all over. I advise that i will be having an atty look into this and he states to have the atty call him at the same number I did ext XXXX. I went and did a search of the company and there is no such company .. I also did a search of the XXXX # and it comes back to scams ... So i call him back and ask why I cant locate the company he says that they dont publicly advertise and that the letter that i never got has the info. I ask who the atty is on the case he said one has not been assigned until i am served and they have not filed yet. I asked who thw debt buyer was he stated XXXX XXXX .. And then tells me technically he no longer can talk to me since I have an atty and will place a cease and desist on my number and that my atty can contact him. I go back and search the debt buyer who I have never heard of and it too has scam red alerts all over it. I have reached out to a law firm to cover my basis but I am also filing here as the FTC and AG both advise to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Tate and Kirkland Associates Incorporated out of XXXX Pennsylvania dated XX/XX/XXXX. The letter stated that the client has authorized to offer a discount of 50 % of my balance to satisfy the account that was originally {$690.00}. XXXX for a XXXX XXXX XXXX card I defaulted on. I call the collection agency and spoke to a representative by the name of XXXX XXXX. I I spoke with her and she agree that I can make to installment payments one on XX/XX/XXXX for {$170.00} and the next payment will be due on XX/XX/XXXX for {$170.00}. She agreed to delete the account once the total balance of XXXX was paid which is the agreed discounted offer of 50 % of the original balance of {$690.00}. I made both of the payment as agreed on time with my bank card was on file to make the payments and it was automatically drafted on the days as stated above. Now that the debt has been satisfied the account is still reflecting on my credit report with an incorrect balance only reflecting the XXXX I paid in 2 payments and still have the remaining balance left over from the original balance of the XXXX which is incorrect. As agreed by the representative from Tate and Kirkland Associates the account was supposed to have been deleted after the XXXX was satisfied. I have paid the debt, and it is still reflects on my credit report .The account balance is incorrect. I would like for Tate & Kirkland & Associates to honor the original agreement and delete the account from my credit report. I have called the company every day for the last week requesting for the original representative I spoke to to send me a letter of our agreement and to give me a call back. I have not received a call back and I have not still receive a letter from the Creditor with the original agreement to have the payment deleted from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in XXXX. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and 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 XXXX 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

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. XXXX XXXX is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX. 
XXXX XXXX XXXX.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX