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

I just got my credit on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They MUST be legally blind because everything is inconsistent.
Product: Credit reporting or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT SEVERAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. A HARD INQUIRY WAS REMOVED ACCOUNT NAME XXXX & NOW ITS SHOWING AS A NEW CREDIT INQUIRY MADE IN XX/XX/year> - XX/XX/year> FROM MY UNDERSTANDING YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT AND ENSURE ITS ACCURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXXXXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Pinnacle Bank ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX XXXX previously named : XXXX XXXX XXXX XXXX
Product: Mortgage

I have not been able to clear my credit report dispute with NationStar Mortgage. My loan was paid in full XX/XX/XXXX. They have not updated XXXX since XX/XX/XXXX. I waited till XX/XX/XXXX to first call and was told this will be completed within XXXX business days. I called back XXXX other times and they are indifferent. This negatively impacts my ability to buy a new car and my prospective employer will check my credit before they give me a company credit card for travel expenses.
Product: Debt collection

I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.
Product: Bank account or service

A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. 1.XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To whom it may concern : Re : XXXX XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX, Bankruptcy XXXX On XX/XX/XXXX, you disclosed to me upon investigation of bankruptcy being reported on my consumer report was " verified as accurate ''. Thanks for getting back to me so quickly on that, by the way. You guys move pretty fast. I was confused by that since you didn't provide me with whom - what persons- it was verified with. I made use of the live chat which - XXXX- was very nice and helpful. Attached is that discussion from a few moments ago which you'll have on your end as well. 

Please note that I have obtained copies of my XXXX report and the bankruptcy IS NOT reported as they could not verify the information appropriately. This is attached. 

Please also note that I also reached out to the bankruptcy court in XXXX, NJ, and they stated they DO NOT report OR verify information with credit bureaus. This letter is attached. 

My attorney did NOT verify this, either. 

Obtaining information from public sources like PACER is unequivocally done with false pretenses : 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Finally, I have never provided written instructions or consent for this very personal matter to be shared on my consumer report.

I am aware that the FCRA says a credit reporting agency must remove innacurate or unverified information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

In closing, please DELETE this item from my credit report as it IS NOT VERIFIED.

The OCR, E-Metro, and E-oscar do not qualify as as a recognized source of validation. 

Please send me an updated copy of my consumer credit report once the bankruptcy is deleted. 

Thank you.
Product: Credit reporting

XXXX XXXX XXXX submitted a hard inquiry on XXXX/XXXX/2015 to Experian Credit Bureau. I have no knowledge of this company.
Product: Credit card

I applied for a Discover card. Discover completed a credit check, granted a card and sent the card. After a short period of having the card they contacted me. An unprofessional person request a copy of my ID and to verify the authenticity of this call I should contact the number on the back of the card. Why would they need this info after granting the card. Unprofessional, a supervisor was not available to talk to, I was told they would contact me in XXXX to XXXX hours. I request this card to be canceled immediately as this sounds like a fraud.
Product: Mortgage

I want to raise concern due the company not reviewing my full application for medication. The company keep saying I do not live in the house. I have provided proof several times to the company that I do in fact live in the house. But I feel the company just want to take my home. 

Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All deteails where describes in certified letters attached below, they did not follow the request i asked For
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Disputed To Have Inquiries Removed But None Was Deleted Or Removed.
Product: Credit reporting

My gas service company, XXXX XXXX terminated my service regardless of my ontime payments. My communication with them led to no reconnection. The account was paid off. They even issued overpayment refund. They are reporting 90 day late payment on Transunion and my dispute with both parties yields the same negative information reported over and over again.
Product: Debt collection

I have a collection from XXXX thats on my credit. However it should be removed. The debt has satisfied but its still reporting in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting on my credit that I have an account with XXXX XXXX  I have no knowledge of that account at all. I contacted both TransUnion and XXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
TransUnion also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why TransUnion would say I do. 
Also XXXX is reporting a fraud report and so is XXXX XXXX and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Product: Debt collection

XX/XX/2023 as to validate information and all they cant
Product: Student loan

While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.
Product: Credit card

I received a purchase from a restaurant, I did not have any purchasing relationship with them, I made the dispute in XX/XX/2023 and Macy 's took 3 months to make the dispute and they continue to charge me for this purchase and the interest, after those 3 months they have no information They closed the claim and today I opened this claim again and they say that I must wait 3 months again, I have never bought anything in this restaurant XXXXXXXX XXXX XXXX XXXX XXXX XXXX macys XXXX XXXX XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting via 3rd Party ( reported to be LexisNexis ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XX/XX/XXXX. I contested this reporting directly with XXXX in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( LexisNexis ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with LexisNexis after being told this was the reporting 3rd Party by XXXX. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. LexisNexis then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to XXXX and included the document ( attached ) from LexisNexis stating that the Bankruptcy filing had been removed from my file with them. XXXX as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as LexisNexis themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/AMERICAN EAGLE has been on my credit report since XXXX XXXX. 
Closed, never late and paid in full. 
Have attempted to have it removed several times, it keeps showing on my report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$4500.00}, XXXX XXXX XXXX Balance : {$4300.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX 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 60 days 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 XXXX XXXX XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..
Product: Checking or savings account

On XX/XX/XXXX I attempted to open an account on offer sent to me by Capital One. After processing the online application the system has stopped by requesting me to provide an ID. Subsequently I was sent a link which did not work and when I requested assistance to the number provider in the message, it was communicated that XXXX ( bot? ) is not available for my account to offer assistance. The message also stated that I will be contacted after XXXX business days in case the ID is still not provided. I was not contacted and when I called today ( XX/XX/XXXX ) to offer to provide the ID ( I requested email address with a reference # to send it to ) the XXXX customer service was unable to offer any assistance. Furthermore when I gave them my SS # I was told that the application was already closed. Also the application ID number provided # XXXX was not helpful as I was told it is completely useless to them as they can not reference it. Subsequently I asked to speak with the US customer service and I was also not helped and given vague pleasantries instead. When I asked for a supervisor I was put on a long hold approx XXXX min ( the whole call was about XXXX ) just to be told the message from a supervisor that I need to go through an account opening process all over again. In other words the Capital One wasted my time. 
Here are some questions : 1 ) Why providing customer a reference number for account ( # XXXX ) which is not internally referenced to anything? 
2 ) Why set up an online application system which has so many bugs before going live that it doesn't do what is designed to do?

3 ) Why the company employees do not have a concept of basic courtesy and respect to customers and talk over them instead of offering practical help? 

Since the CSRs are not properly trained to offer assistance why they simply can not refer to someone who can offer help that can instead of wasting someone's time and resulting aggravation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX 2. Please remove this information from my credit report XXXX XXXX Account Number XXXX 3. Please remove this information from my credit report XXXX XXXX bankruptcy discharged Account Number XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

when MNS Associates LLC calls the first question they ask is if I have ever had a civil lawsuit against me and if I have ever been to jail? I do not answer the question I simply ask for their mailing address which they are required to supply me by law they say that I do n't get to have that information. it is either XXXX guys but I think they are the same person they go by the name XXXX or XXXX. They call my mothers house 3 times a day my wife 's phone 2 times a day and my in laws house 1 time a day and myself now 2 times per day. 

they tell me that they are going to sue me and that I will go to jail or have my cars and house seized if I do n't pay the debt to them. they refuse to send me info saying that they do not mail things out and they only communicate via the phone. 

they have refused me 2xs to verify their address and to verify that they are registered to collect a debt in the sate of Michigan. they have refused to provide me with any valid information and they use what they believe are scare tactics to force me to comply. I have notifed them via telephone to only contact me by mail in writing.