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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I also reached out to the furnishers and they agreed to update and repair the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased a home XX/XX/XXXX. It went into foreclosure XX/XX/XXXX. The home was originally purchased with cities residential. The the loan was sold to homeward. The eventually ocwen. At one point I had all XXXX loans showing on my credit with out the " transferred '' note\status. Through multiple disputes with XXXX and allow time to take place, XXXX of the XXXX loans were removed. The only loan that remains is ocwen. Ocwen is still reporting I think this is incorrect because of the time/duration that has passed since the loan inception from when the property was purchased XX/XX/XXXX Or When the last payment was made XX/XX/XXXX or when ocwen took over which was XX/XX/XXXX. All of these durations exceed 7 years. Ocwen is reporting to Equifax correct information and even though I keep disputing and keep trying to resolve with ocwen. No progress is being made. My credit has dropped significantly in the last 60 days and I believe it is due to ocwen. Please help me. The home is already sold so the amount due is incorrect as well. The address to the property is XXXX XXXX XXXX XXXX PA
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone opened a XXXXl XXXX account in my name they applied for a line of credit trying to obtain a credit card in my name using my personal information without my knowledge or authorization and XXXX XXXX allowed them to do it instead of consulting with me first as it is stated on my credit report to do so through Experian Experian failed to contact me to let me know through the fraud alerts that are on my account with them to let me know about this transcation that was transpiring at the time when it was being committed and now I have soft inquiry on my credit report that has not been removed that needs to be removed for something that I did not authorize due to the negligence of Experian. On XX/XX/2022 someone also applied for a loan through XXXX XXXX XXXX in my name without my authorization without my knowledge yet once again here my identity has been misused improperly. I did file a identity theft with the Federal Trade Commission reporting that my identity has been stolen thru XXXX which should be on file stating that no one should be submitting fraudulent accounts in my name and that I am a victim of identity theft. I have gone through great lengths to try and keep my credit secure on my accord to the best of my ability by placing freezes on all of my credit reports and setting up security fraud alerts but to no avail hackers and scammers are still trying to open up lines of credit in my name using my persona i formation which they have obtains falsely without my knowledge or permission and they are still opening credits in my name and I have asked repeatedly for this matter to be corrected but to my avail no measure of action has been taken by the credit reporting agency Experian I am a hard working XXXX who pays her taxes faithfully every year and I should not have to live in fear or live like this knowing that the credit reporting agency is saying that they are monitoring my credit just to find out that they are allowing my credit to still be used in a inappropriate manner by imposters who are imposing as me to obtain something falsely using my name. They are not monitoring or protecting my credit like they claim they are and I have tired contacting them through the numbers for the customer service online but they want answer the phone they have some automated system that is set up which is not helpful for a person like me who actually likes talking to live people and I would like it if someone did something about this matter because its effecting my credit scores which is causing me to have bad credit which is not my fault I am suffering at the hands of some XXXX else mistakes and I should not have to have these inquires on my credit report which I know I did not apply for none of these things in my name and I really need for someone to look into this matter as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically everything in XXXX is wrong I keep trying to explain my identity was stolen and those charges aren't mine if you look at the issue date of my NC license it's for XX/XX/XXXX as an update and original for XXXX I'm just trying to fix these issues because it's stopping me from moving. And XXXX. Tx has an XXXX bill for life at XXXX XXXX but I moved from that complex before they got new owners and named it that they have cameras they will not see me on them as living there
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXX  bankruptcy and XXXX XX/XX/2020 and included Wells Fargo bank. I have notice that a certain creditor is continuing to report negatively in violation of the bankruptcy terms or is incorrectly reporting a debt as not XXXX. This has really been stressful on my situation causing me to be denied opening a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST 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 two 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 REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Product: Credit reporting or other personal consumer reports

Currently trying to buy a home and in doing so I've found multiple inaccurate accounts reporting to my credit report according to 15 U.S.C 1681 law there should not be any damages on my report this is a defamation to my character. This detrimental to me because it is holding me back from providing a better life for my children i have reached out to all credit bureaus numerous times and nothing has been solved from inaccurate reporting to hard inquiries that was not authorized. I have reached out to the company to ask for proof of collections or me authorizing any company no proof has been submitted
Product: Debt collection

I contacted XXXX XXXX and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regardimng multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postimg of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX XXXX XXXX Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX So I disputed the negative and erroneous report with Experian. I told Experian about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. Experian acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with Experian. 

So, this morning I filed another dispute with Experian. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) Experian, ( 2 ) XXXX, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX   regarding this matter, in as much as XXXX  may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Product: Credit reporting

I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and SBA loan and due to the pandemic crisis, and your company has hurt me to Uptain credit.
Product: Credit card or prepaid card

On the evening of XX/XX/2019, I called Bank of America Credit Card services ( XXXX ) to activate my credit card account. I called the number on the back of my card, and followed the prompts to activate my card, after I completed the prompts I was automatically transferred to a Bank of America associate who asked me for the last 4 digits on the back of my card. I proceeded to provide those last 4 digits, upon after a very short moment, he replied " Your card is activated ''. The next day XX/XX/2019, I arrived at XXXX XXXX Rental to rent a car for which I had a reservation. The XXXX XXXX associated swiped my card for the rental upon which I was notified the transaction was denied. I contacted Bank of America card services regarding the denial, and they stated that card with the same 4 digits I provided a prior Bank of America associate to activate was reported lost or stolen. I found some mail which was unopened and mistakenly assumed it to be new card, which I successfully ( according to associate ) activated on XX/XX/XXXX, but it must have been the card in question. I stated with them with great dismay, that I am " stuck '' at a rental car agency with a card you activated, a simple reply of " that card was reported lost or stolen '' or " we can activate that card '' would let me know that I had the wrong card. Instead, " it is activated '' and I clarified with him that it is ready to use, put me in this predicament on XX/XX/2019. I clearly articulated my dissatisfaction of the " activation '' and the predicament that I am in. The associate offered to sending me out a new card to my location, however the time frame he articulated would not serve my needs as I was leaving the next day and it would arrive after I have left. In a letter dated XX/XX/2019 that same day, Bank of America stated they are closing my account, which had either a negative balance or a very low positive balance. I firmly believe this is retaliatory business practice, that may have affected my credit, and is irresponsible and unconscionable by a large bank with extended reach. I believe its intent is to intimidate consumers from raising flags or complaining because they are such a large institution. I firmly believe that in unacceptable in these United States of America, a country of the people, with a government for the people and by the people. A simple apology, and " a what can we do for you for our unfortunate mistake which left you without options '', would have sufficed. The card in question ended in XXXX. However, they closed my account with a new account number ending in a 4 digit number of attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted transition, XXXX, XXXX  to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Product: Debt collection

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a Kohls, as well as 2 accounts for Capital One, NA ( which I believe are duplicates again, like my Liberty Mutual duplicate accounts ). XXXX XXXX, The Bureaus AND Kohls are all reporting collections. Kohls credit card IS Capital One, N.A, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX, and therefore these 3 should be removed rom my account.

I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom Capital One, N.A. ). 

These debts need to be removed rom my credit report for all of the above stated reasons.
Product: Debt collection

Capital one bank is requesting that I paid a bill that was discharged/charged-off and attempt to take me to court. I serve capital one bank an affidavit of truth and cease and desist letter they closed the account, however, they never REMOVED/deleted the reporting on my consumer report on the credit reporting agencies ( XXXX, XXXX, XXXX ). Capital one bank was given a written request/demand to remove the negative items from my consumer report, however, they refused to do so. 
I sent them a second affidavit of truth, debt validation of debt letter and an Invoice for the violation they committed which made them liable for Injuries, damages, pain and suffering they have cost me and my family. Through this written communication Ive made it Clear that they ( capital one bank ) has violated my federally protect consumer rights, which made they liable. I stated the violations are : 15 USC 1692 ( a ) ( b ) 15 USC 1692 ( e ) 15 USC 1692a ( 2 ) 15 USC 1692a ( 3 ) 15 USC 1692e ( 9 ) 15 USC 1692a ( 4 ) 18 USC 1028A 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 9 ) 15 USC 1692b ( 2 ) In addition, capital one has also committed the most egregious violation of them all which is Identity theft. Capital one bank submitted my personal information to third parties ( credit reporting agencies ) without my consent ( written or oral ). These actions has caused invasion of Individual and Family privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 information in section 1637b was mailed to the consumer no later than 21 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX this was closed out but out of all the documents that were posted not one of them pertained to the fact that I was approved to receive my payment for {$2000.00} for fraud on my account, but they have not sent me a check for the claim that I was approved for and I was told by one of the customer service representatives that changed my address to the correct address last week that fifth third bank sent my check to the wrong household and someone cashed my check because they were saying someone went inside the bank with a no hair on their face no covid mask that surely was not me because i wear a covid mask daily and I also have a beard they did not have anyone like me inside that branch cashing a XXXX check yet when they saw that I had a beard they refused to allow me to see the footage when i was sent into the branch to so-called see the footage the ladies refused to let me see it because they knew it was not me... next thing on my account they had notes of some real discrimentation leaving comments like my skin XXXX and beard was fake beard and fake hair they have never seen me a day of their life and surely don't have a fake beard this was an attempt to not satisfy a claim after I was approved for ... I have a letter that I received with no check and I have been calling about this issue for the past 2 months yet I have not received a check to clear this account, cause it's getting to the point that I need to be compensated for all of this they have sent me through so they would not pay me the amount for the claim that I was approved for and I am owed I hope this gets resolved quickly because if it doesn't the bank will need to compensate me, especially with my house close to going into foreclosure because of this issue that the bank has sent my check to the wrong person and have not corrected this issue since I first told them i havent received my money over a month ago.