23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many student loans amount on my credit that I am not aware of. I called to try to clear it off. And did a dispute. The account numbers are not the same. And by law if it don't match it have to be removed. Not to mention the ssn it's wrong also.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for reporting inaccurate information on my credit report. Despite multiple attempts to dispute this error directly with TransUnion, they continue to report incorrect data. 

Specifically, TransUnion is inaccurately reporting that I had two car loan accounts with XXXX XXXX XXXX This is false. I have only ever had one car loan with XXXX XXXXXXXX XXXX Furthermore, my only account with them was closed and was paid satisfactorily. There is no valid reason for a second account to be appearing on my credit report. 

This misreporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation into disputed information and correct any inaccuracies. The presence of this erroneous account on my credit file is negatively affecting my credit profile and could impact my ability to obtain credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a name change a decade ago, which I can provide documentation for - I have a court document. Before this time, I was able to take out student loans, and since then, I have been able to open a couple of chequing accounts.

However, one of the three credit unions believes that I don't exist, in that they will not provision a credit score to my financial institution during my current mortgage search process ( this being a first-time mortgage- if I could actually get one! ). None of them will verify my identity, so I can not receive my annual credit report.

So, I don't exist, and I can't take out a mortgage, or even get a credit card - and I work for a credit card company! Anything that shows up on my account for the past 10 years should be fraudulent, because I haven't even been able to use my credit for my own purposes. But I can't use my credit, and I can't even monitor my credit. 

Listen : I have the better part of a XXXX dollars in my XXXX, but I can't get a {$200.00} credit line on a credit card. 

Every couple of years, I try to resolve this, whether by contacting my financial institution for help or calling the credit agency 's call center directly. On my most recent attempt, in addition to things like phone calls, I was mailed an envelope with a security code. But because I lived in an area with significant flooding, the roads into my city were closed for several days around the time the code would have arrived. My code ended up arriving 14 days late- which is the duration of time the code would have been valid for. The same minute I retrieved it from my mail, I went to my desk to enter it, but it was too late. 

I don't know what else to do. I just want two things that every citizen deserves. I want my credit report, because I want to manage any fraudulent activity on my account. And I want to have a credit score - any credit score will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act LVNV FUNDING LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Commerce Bank since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. Commerce bank admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with Commerce Bank, Loss Containment, Credit Dispute,  Customer Service, and their Regulatory Risk Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly failed to comply with the FCRA in handling my credit disputes. Despite providing detailed evidence, they did not conduct a proper reinvestigation ( FCRA 611 and 611 ( a ) ( 5 ) ) or forward all relevant information to furnishers as required ( FCRA 611 ( a ) ( 2 ) ). This non-compliance has left inaccurate data on my credit report, and I believe it warrants further investigation under FCRA 616 and 617. I urge the CFPB to take immediate action to protect consumers and enforce these critical provisions in 4 business days.
Product: Debt collection

This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account.     We have received correspondence indicating that a certain  XXXX   XXXX   XXXX  was consulted and named as a representati ve of PHH Mortgage Corporation in  a foreclosure matter brought by PHH.     This is a QWR request for the following informa tion : 1.  Is  XXXX   XXXX   XXXX  and employee of PHH Mortgage  Corporation?    2. If so, how long has she worked there?   3. What is her official title?   4. What is her job description?    5.  What training is required for her title designation?    6.  Provide the name of the department or division she works in.    7.  Provide the name of the department or division head.    8.  Is  XXXX   XXXX   XXXX  authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action?     Thank you for your cooperation and timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. XXXX XXXX XXXX has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Debt collection

I have contact Jefferson capital several times over this debt and let them know this is not my debt now it shows up on my credit report twice totaling {$800.00} this is fraud! 
on my credit report it has 2 other account # XXXX & XXXX
Product: Debt collection

This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.
Product: Debt collection

XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .
Product: Credit card or prepaid card

I have had nothing but issues with the American Express Serve Prepaid product. I was locked out of my account ( I complained to the CFPB and they responded indicating they had unclocked - it was unlocked for one day and has been locked again since ). I can not reach anyone for assistance. I would like the account closed immediately and a paper check mailed to me with the remaining account balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Casp App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I paid this debt in full on XX/XX/year> however EASTERN ACCOUNT SYSTEM, IN has still been reporting on my credit report.
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. 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

Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to file this complaint because I have disputed with EXPERIAN numerous times with request to remove inaccurate account information because they have constantly verified inaccurate account information. XX/XX/XXXX, a dispute letter was mailed to EXPERIAN to have them reinvestigate and correct the inaccurate accounts I was attempting to dispute, and reinvestigated was not commenced till two weeks after EXPERIAN received my dispute letter. XX/XX/XXXX, a CFPB complaint XXXX was filed because EXPERIAN held my letter for XXXX weeks failing to investigate immediately when the letter was received violating 15 USC 1681i ( a ), on XX/XX/XXXX, the credit reporting agency was asked to remove the accounts for verifying inaccurate account information, they have violated 15 USC 1681i ( 5 ). Around XX/XX/XXXX, a letter was delivered to EXPERIAN regarding arbitration because I had grown quite tired of EXPERIAN 'S failure to correct in accurate information. EXPERIAN once again disputed all of the accounts as a reaction to the pre arbitration demand letter, so I patiently waited, and the inaccurate accounts returned verified again. As a result of that on XX/XX/XXXX, a complaint was filed with the CFPB XXXX alerting EXPERIAN that arbitration would be commenced because they failed to respond to the pre arbitration letter I sent them attempting to negotiate with them and because they voluntarily disputed the inaccurate accounts again and still verified them to be accurate while they remained unverifiable. After that complaint was filed, they voluntarily disputed the inaccurate accounts again and once again verified the inaccurate accounts in dispute and before I was about to officially initiate arbitration, I discovered that EXPERIAN removed their arbitration clause, so as a last resort I contacted my state attorney general, and they contacted EXPERIAN to dispute. EXPERIAN did not dispute the accounts, instead they sent me a letter requesting ID verification info. Now here I am currently. I am so fed up with this company and I don't have the time to sue them directly in court. Please help. EXPERIAN has been violating the Fair Credit Reporting Act and it is ruining my livelihood as a result of that failure. They have failed to correct inaccurate accounts in which I had disputed. In other words, to properly report information as verified, the consumer reporting agency must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 15 USC 1681i ( a ) must be met. EXPERIAN failed to correct the unverifiable account information, they failed to proceed in accordance with the requirements 15 USC 1681i ( 5 ). It has been more than 90 days and EXPERIAN still have not properly verified the information. See also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). I want the accounts deleted because there are too many FCRA violations, and they keep continuing to verify unverifiable inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING ANOTHER COMPLIANT REGARDING ISSUES I HAVE WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information in XXXX and again in XXXX.
Product: Debt collection

For over the past 30 years I have been employed with complete medical coverage.
Product: Credit reporting or other personal consumer reports

XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at IXXXX XXXX  XXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a XXXX XXXX XXXX and am establishing my credit. This inaccurate reporting has hurt me significantly.
Product: Credit card

I received today 's date information that my prior complaint had been resolved. Chase Bank stated that I still owed {$46.00} for a purchase using their credit card. The Chase Worker Executive Office assigned the original complaint told me to contact Chase 's Customer Protection Group at XXXX every day from XXXX XXXX to XXXX XXXX. XXXX XXXX. I attempted to contact them without success today 's date. I have never received a statement or late payment due from Chase Credit Card Service. I have told the worker from the Executive Office that information. I attempted to get that information today 's date from the number the worker provided. I left a message with the Executive Office worker two weeks ago and today 's date. The worker has not contacted me about getting a specific statement on the billing listed. I would like to resolve this dispute, but I am not privy to Chase 's Information on my own account. I did not receive any information on this bill.

I would gladly pay ASAP the original bill if I can confirm that I made the disputed transaction. I however do not feel any additional charges should be paid by me for a bill that became overdue with no notification to the card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of XXXX Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, Equifax and XXXX show me LATE on XXXX student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into Equifax, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me XXXX minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own Equifax reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on XXXX years for XXXX business and XXXX years for a NY XXXX credit company I worked at as a part time Temp XXXX yr after graduating high school!!!! 
Another is XXXX I had a on job complaint XXXX case with
Product: Mortgage

My loan was transferred to this company in XXXX, 2019. I usually make my payments by the XXXX. One month when paying my mortgage, I noticed that if payments are not made by the XXXX there is a {$5.00} fee. If paid the XXXX thru the XXXX, the fee is {$10.00}. If paid the XXXX thru the XXXX, it is {$15.00}. I reached out to the company as this was not in my original loan terms. Per the company, this is a late fee. I feel that this a disguised late fee. If it were a processing fee it should be the same amount no matter when it is paid. There is a late fee if paid after the XXXX, which is understandable. I would appreciate your assistance in this matter.
Product: Mortgage

I have a loan that was transferred to a new loan servicer on XXXX. 
The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. 
The Company is Bayview Loan Servicing , LLC . 
XXXX, Florida XXXX