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

purchased XXXX XXXX XXXX financed thru XXXX XXXX  XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX TransUnion XXXX XXXX Bankruptcy Ref # XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX ran to many hard inquiries on a used vehicle shopping. I'm requesting the removal of the hard to many inquiries on one vehicle. XXXX XXXX XXXX.
Product: Credit card or prepaid card

On Sunday XX/XX/2022 I had multiple unauthorized purchases made at XXXX XXXX  XXXX located at XXXX Corporate XXXX, XXXX, NY XXXX ( XXXX ) XXXX between XXXX & XXXX for a total amount of {$810.00}. It took the suspects 4 minutes to make 3 purchases {$200.00}, {$200.00}, & {$410.00}. I then had an additional purchase made at XXXX & XXXX XXXX Spot on XX/XX/2022 for {$3.00} ( the remaining balance ). 

I immediately filed a report with Cash App ( Square ) case number XXXX however was denied. The denial reason was that my phone is secure, which makes no sense. 

No one at XXXX is answering at the store level, customer service keeps advising to call the bank or file a complaint, however Cash App is not assisting either. 

I have extensive supporting documentation to prove I did not authorize nor initiate the transactions.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian, to do the following ( remove incorrect variations of my name, remove incorrect addresses that is not mine or where I live, seven incorrect hard inquiries, removal of late payments from dept of educationXXXX, removal of late payments from XXXX  and removal of inaccurate account from new XXXX XXXX  and they said the information came back verified which was in violation of 15 USC 1681 ( a ) ( e ) and to let them know they did not provide credible proof of verification as defined in the law. They failed to verify because to verify is to do an investigation and they did not investigate anything with any one of my neighbors as corporations can not talk to real people. They were also in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) because they were violating my consumer rights to report inaccurate data without my permission as the consumer. I told them who I was pursuant to 15 USC 1692c and 15 USC 1602 ( G ) and that I was the original creditor and did not owe any debt based on these hard inquiries. I do not owe any debts to any of these organizations they placed on my report but they feel as if the law does not apply to them as they do not respond to the consumer by reporting accurate information per instructions from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you help
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PROVIDED THIS COMPANY WITH A POLICE REPORT AND A IDENTITY THEFT REPORT AND DISPUTED PERSONAL INFORMATION AND ACCOUNTS ASSOCIATED WITH THEFT AND MISUSE OF CREDIT. I COMMUNICATED WITH THE CREDITORS AS WELL AS THE AUTHORITIES. THE CREDIT BUREAU KEEPS ADDING AND REMOVING THE ACCOUNTS ON AND OFF MY CREDIT REPORT. 

THE FOLLOWING ACCOUNTS ARE NOT REPORTING ACCURATELY AND ARE PRODUCTS OF THEFT. 

XXXX XXXX XXXX XXXX THIS ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND WAS REMOVED BUT IS REPORTING DUPLICATED ON MY CREDIT FILE. 

XXXXXXXX XXXX XXXXXXXX THIS ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND HAS BEEN REMOVED BUT KEEPS REAPPEARING ON MY CREDIT FILE. 

XXXX XXXX XXXX THIS IS NOT MY ACCOUNT I DONT RECOGNIZE THE NAME THE BALANCE AND I HAVE NOT SIGNED ANY CONTRACT OR CONDUCTED ANY BUSINESS WITH THIS COMPANY THIS ACCOUNT SHOULD NOT BE REPORTING ON MY CREDIT FILE. 

XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND HAS BEEN REMOVED BUT KEEPS REAPPEARING ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a BARCLAYS BANK account that is being reported as 30 days late for the month of XX/XX/2020. Account number for this complaint is XXXX. This account was late at the beginning of the COVID 19 pandemic. I have tried reaching out during the time and afterwards explaining my financial situation and that I had just lost my job. Being late 1 time because of a pandemic should not be decreasing my credit score 40+ points and this should not be a factor in my creditworthiness. This is considered a COVID relief account and under H. R. 748 -- 200 SEC. 4013. This account should not be reporting as late.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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

After reviewing my credit report, I found several accounts that I believe are being reported inaccurately. I am requesting a reinvestigation of the following accounts and that they be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at XXXX XXXX in the amount of XXXX. There was a dispute with the charge in the same month. I made a payment at the end of XX/XX/XXXX. In XX/XX/XXXX, I was given a credit of {$400.00} while the dispute was being investigated. I made contact with XXXX XXXX and exchanged my purchase for the correct Item. This issue with the merchant was resolved. In XX/XX/XXXX, the credit was reversed at the conclusion of the dispute settlement. 

In XX/XX/XXXX, I received a email communication stating I the matter was resolved in favor of the merchant and was charged {$400.00}. I called Goldmen Sachs and advised them of the error in the dispute. I advised the matter was closed. In XXXX I received another email communication stating a dispute was resolved in favor of the merchant and was charged for {$400.00}. 

I called Goldman Sachs and Apple Card to remove the debit on my account and they are telling me I owe them for the credit that was applied to my account. I advised no credit was applied on my account and requested an audit. The matter is pending. 

There records are unclear and if I was not a XXXX XXXX XXXX I would not be able to understand the financial transaction manipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I was never contacted by this company about a debt, I learned about it through a credit reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXl is and has held XXXX XXXX yes you heard correct XXXX $ on my credit report saying that my balance is overdue?! First of all its a credit building account, and my money goes in and then once the account is canceled my money I spent saving and building my credit comes BACK TO ME, how the XXXX do I owe you XXXX $?!! And then you hold it on my credit report as history period, and as history as a derogatory mark and saying my credit history is balance overdue?! Wrong answer, I paid my account off in full, IN FULL, REMOVE IT NOW OFF MY CREDIT PROFILE PERIOD OR I WILL EITHER SUE, TAKE TO COURTROOM WITH MY ATTORNEY, OR PRESS CHARGES FOR HARASSMENT
Product: Vehicle loan or lease

I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.
Product: Credit card

Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB on XX/XX/21. Any further attempts will include additional complaints to thXXXX XXXX FTC as well as my States Attorney General. 

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. 

I feel that you questioning if my complaint was sent by me or not is an attempt to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXXl and emotions XXXX you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX 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 card or prepaid card

In XX/XX/XXXXto XX/XX/2019 statement Payments were made in full, less new purchases. In XX/XX/XXXXto XX/XX/XXXXstatement Balance was paid in full on XX/XX/2019. Payment due date was XX/XX/2019. XXXX A National holiday ) Actual payment was made on XX/XX/2019, but due to holiday, not processed thru Bank of Americas website until XX/XX/2019. Then posted in XX/XX/2019. Next statement I was charged {$6.00} interest. Before that I was charged {$8.00} in interest in XX/XX/XXXX. I called Customer service and after a 30 minute hold with computer held messages, I was finally transferred to live operator XXXX. Upon explaining my request to return {$8.00} from XX/XX/XXXX, and {$6.00} from XX/XX/XXXXin interest charged, She explained their policy is that I would need to pay the full balance for two months straight to avoid interest. I explained that was wrong, she then put me on hold, and returned with the answer that I was late on payment which was due on XX/XX/2019. I again explained payment was paid on XX/XX/2019 and not processed until XX/XX/XXXX and posted on XX/XX/2019. She stated they were open 24 hours a day and the interest charge for both months will remain. 
I feel BOA is charging interest on accounts who pay in full, fraudulently and want to report them for manipulating dates and payments. I also am demanding return of {$14.00} taken as interest payment which if I did not pay, would result in late fees and negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract-any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below Moreover, include documentation which shows that this account was not claimed as a lose with any insuring entity I do not want just a review without detail, instead I have requisitioned a detailed validation.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed within ( 30 ) days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Furthermore, According to the Certified UCC-11 Document attached, there are NO Active Liens with said creditors. A complaint has already been filed with Consumer Financial Protection Bureau regarding this matter.

Fraud is any kind of artifice employed by one person to deceive another -Goldstein vs. Equitable Life Assur . Soc. Of U.s misc.

No response has been made from the Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.