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

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Miscellaneous ), XXXX XXXX ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Experian on XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Experian several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Experian. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Experian has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Experian is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX continue to report fraudulent information on my report and deny me my rights as a consumer. 

See attached.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.
Product: Credit reporting or other personal consumer reports

When I went to check my credit report, I seen a lot of inaccurate information. such as collection accounts showing past due balances. To my understanding you can not have a past due balance on an account that's closed. I notified all three credit bureaus and gave supported documentation, and they did not remove them they kept it and said information was verified. This is a violation of the FCRA and also a Violation of requisite METRO 2omplaint reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$960.00} ; MEDICAL XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX MICHIGAN XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that XXXX bank of america } has listed { negative listing } on my XXXX file. 

To my knowledge, I have never had account with { BANK OF AMERICA }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX BANK OF AMERICA } including copies of any documentation associated with this { negative listing } which bears my signature. 

In the absence of such documentation, I request that this BANK OF AMERICA be permanently removed from my XXXX report. 

For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX }
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX NUmber account : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Trying to link mobile app to bank account and being unable to do so. I previously spoke to a rep. I want to be able to access my money, transfer, and pay bills, ect. This has been going on for a week. 

PNC Bank to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use Equifax ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time XXXX ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against XXXX for violations of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I opened the account in XXXX. The welcome bonus associated with the account is XXXX membership rewards points after spending {$5000.00} within 6 months of the account opening date. I have met this spending requirement in XXXX, but haven't received the points so far. 

As such, I've filed two complaints on CFPB regarding this issue. In the responses from American Express, they mentioned they would issue the points/rectify my account as they fix an internal issue, which is the reason behind the delay. They also confirmed that I've met the spending requirement. 

However, I learned from an online representative today that the spending requirement was not met, and the majority of my spending was considered unqualified. This is shocking, and is against the info provided in the responses from the company.
Product: Student loan

My XXXX loans with Mohela under the XXXX program were on the XXXX plan as $ XXXX and in XX/XX/XXXX of those loans were changed to the XXXX plan without my knowledge. I called Mohela and the representative said they didn't know why that XXXX loan was changed to the XXXX plan because I hadn't requested it and there was nothing I could do and that it would still count towards my XXXX. They also notified me that the other XXXX loans were moved to the XXXX program and stayed at the $ XXXX, so it was very odd that just XXXX loan was moved to XXXX 

In XXXX and XXXX I was charged {$54.00} for that XXXX plan that was changed to XXXXXXXX, but then I came across a XXXX support group where others experienced the same problem and were able to get their loan changed to the XXXX plan. So I called Mohela in XXXX XXXX and spoke with another representative who said that the LEVEL plan did not qualify for XXXX and that they could put in a ticket to investigate what happened. They also placed me on forbearance so that I wouldn't get charged the {$54.00} in XXXX and the representative said that during forbearance my loans would still count towards the XXXX forgiveness. 

XX/XX/XXXX, I called Mohela again for a status update and now I have a whole other set of problems. They did change that XXXX loan from XXXXXXXX to XXXX, but instead of going back to the $ XXXX where it was before, now it's $ XXXX that I owe for that XXXX loan. The representative said they aren't sure why it wouldn't go back to the {$0.00} since I have not submitted my IDR recertification application yet. And they confirmed that since I was in forbearance for XXXX months those wouldn't count towards XXXX. And they are working to reimburse me the XXXX charges of {$54.00}, and that it shouldn't affect my XXXX count those months. At this point, I don't feel confident in their ability to really make this right before I actually submit my XXXX recertification in XXXX.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
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. 

List of Unauthorized Inquiries : 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 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

inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate
Product: Debt collection

See attatched Transactions of XX/XX/XXXX statement of New Transactions {$470.00}. see attatched FRAUD LETTER of XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} ARE UNAUTHORIZED Transactions. See attatched Transactions XX/XX/XXXX DUPLICATE UNAUTHORIZED FRAUD 2ND TIME {$470.00} New Transactions. ( ** USAA HAS OWED ME {$470.00} CREDITS SINCE XXXX ** ) USAA HAS DESTROYED MY EXCELLENT CREDIT FOR WHAT I DID NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items 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. 
XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/2019 Reference # : XXXX
Product: Credit reporting

My cell phone contract ended XXXX of 2012 (? it may be XXXX ). I paid the final bill in XXXX. Approximately one year later I received a collection notice that I owed the cell phone company {$330.00}. I do not owe them anything. After XXXX phone calls over the past couple of years ( yes, years ) the cell phone representative discovered that a new 2 yr contract had been started in the month of XXXX or XXXX. This is completely wrong. My daughter had lost her phone, I had another phone I purchased off of XXXX, I have the receipt for this other phone. I called the cell phone company ( XXXX maybe ) to move her phone number over to this new phone I had purchased on XXXX. When the number was transferred it created a new 2 yr agreement as if I had purchased the phone from THEM, but I did not, so this XXXX 2 yr contract should never have been started, but I was completely unaware of it. I have contacted the collection agency that sent bills to me. I explained what happened and they said it was n't their job to fix it. The collection agency somehow transferred me to the cell phone company. As I was explaining it, she put me on hold and we were disconnected. I called the collection agency back the next day. Out of frustration I explained, again, about the 2 yr contract that should not have been made and I just wanted to get this done with, it had been XXXX years. Even though it was a mistake by the cell phone company I was tired of dealing with it and offered to pay a portion of the bill if that would end it. The collection agency representative agreed. I asked to have the derogatory marks removed from my credit report ( XXXX pages from this XXXX collection ). This was also agreed upon. I told her I will be making a reference to our agreement on my check because she could n't offer me anything to secure our agreement. I sent a check with a notation written on it about our agreement ( I have a copy ). So, the account was taken care of. I contacted the credit reporting agency recently and the derogatory marks were NOT removed as agreed upon. I filed a claim with the reporting agency. They told me, after the investigation, that it is all perfectly fine and will not be removed! Now, I noticed there 's also a notation at the beginning of the XXXX pages, from this XXXX collection agency, that states " only half of the account was paid ''! That was our agreement! I was n't even responsible for this wrong bill but I was soooo tired of it I paid XXXX, and it did n't even fix anything! This is so completely wrong and frustrating! I have ALL the receipts and the check with our agreement on it, cashed by them. It feels like the cell phone company is just being vindictive and trying to harm my public profile, when they were wrong.
Product: Credit reporting

Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my reports i sent a letter to the reporting agencies and didnt receive anything back. They should have contacted me by now and since they didnt the law states that they have to remove everything i disputed. It is my hope that sending this notice of violating the laws will result in a fair result.
Product: Credit card

I have consistently ensured that payments on this account are made promptly, preventing any overdue status. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.