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

I am writing this compliant to report the negligent FCRA violations of TransUnion, Experian, and Equifax in relation to the egregious number of instances of inaccurate information they have and continue to report on my credit file. 

XXXX XXXX is an account item that is currently being inaccurately reported with a Date of last activity report that is not consistent, reported as XX/XX/XXXX and XX/XX/XXXX, the Date opened : is reported as XX/XX/XXXX and XX/XX/XXXX, the Last payment dates reported as XX/XX/XXXX and XX/XX/XXXX, the Date close : is inaccurate, the Account types are not consistent and the Credit Type is inaccurately reported. I have disputed this item in the past with little to no success, I am requesting that this item be removed from my credit report. 

XXXX XXXX  XXXX, XXXX The information reported regarding this account from all three reporting bureaus has inaccurate information. Which includes the Date opened, the accounting rating, the accounting type, and the payments are all inaccurate and inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 

XXXX XXXX  XXXX is reflected on all 3 major credit reports with inconsistencies such as, the Date of last activity - XX/XX/XXXX, the High Balance : {$1700.00}, the Date Opened : XX/XX/XXXX, and the Account Rating is inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 
XXXX  XXXX, High Balance not consistent between the three reporting agencies. The Date Opened is not consistent on two of the reports reflecting the dates XX/XX/XXXX and XX/XX/XXXX, and the Last payment date is not consistent XX/XX/XXXX and XX/XX/XXXX I have reported inaccuracies regarding my credit file with both credit agencies and without explanation and with no process and procedure the information was not verified, corrected, and removed for my account without explanation. I have requested that my consumer report be corrected, instead the same inaccurate information remains in my consumer report without explanation. TransUnion, Experian, and Equifax did not do a proper investigation into my disputes, and they failed to remove errors, which continues to threaten my access to credit, employment, and housing.
Product: Credit reporting or other personal consumer reports

I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( Experian ) to removed the bankruptcy off my credit report & they have not
Product: Debt collection

I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX... .. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Checking or savings account

In the 2nd time in less then a month Chimes network has gone down leaving me and countless others without access to our money. The first time it happened I was getting groceries and had to put them all back. This time I couldn't make it to work because I was low on gas and couldn't put any in because my card wouldn't work costing me a full days wages. When someone puts their money in a bank they should be able to trust that they can access that money whenever they need it. The fact that Chime 's network went down once is bad enough but for it to happen twice within the span of a month is just unacceptable. Something needs to be done about it.
Product: Debt collection

Southwest Credit sys Opened XXXX {$100.00} I never used there service are gave consent so this is a fraudulent charge on my credit report and I didn't authorize this transaction
Product: Credit card or prepaid card

Sir i booked for XXXX travel to XXXX where sfo to XXXX alaska XXXX will take there after from XXXX to XXXX. XXXX will take responsibility but XXXX chaged the travel date to XXXX so they provided full refund coz they provided cancellation option with full refund but XXXX XXXX saying they refunded but citi credit card guys saying we don't know what XXXX XXXX saying they refunded on XXXX but citicredit saying they don't know my money stucked between two biggest corporations sir please help which is XXXX $ Note : while booking XXXX deducti twice for one ticket where I opened dispute with citi they resolved & applied permanent credit but for second XXXX $ transaction XXXX refunded citi was not applying XXXX saying they refunded
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.
Product: Checking or savings account

Back in XXXX fraudulent charges were made to my account. I called Capital one and explained I did not make these charges. They opened a fraud investigation my money was returned however they are claiming the merchant refunded me as well which they did not. The so called merchant was using XXXX as a cover for their activity. Now here it is XXXX and the bank took two withdrawals in the amount if XXXX and after some debating will not put it back. They treated me like I was doing something wrong and now I feel my money is no longer safe with Capital one 360
Product: Debt collection

I found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/2019 I called Synchrony Bank because I viewed on my credit report 4 hard hit inquires & the only recent credit I received was " Care Credit ''. I was transferred to " XXXX '' in the " Fraud Unit '' in XXXX, Arizona. He was professional and took his time to try and resolve the matter informally. After " XXXX '' advised me he couldn't locate any inquiries, I respectfully requested that since the hard hit inquiries were not able to be verified and made for permissible purposes that all inquiries be removed from my credit report. XXXX told me that he was going to contact a different department and get instructions. When XXXX returned he advised me that the inquiries were not able to be located and that I will need to contact the credit bureau 's. I advised XXXX that I did previously and they told me to contact the creditor. I will not continue to go in circles and have my credit score be reduced by 6 points. If Synchrony does not remove the following hard hit inquiries from all credit reports I will file a law suit in small claims court for Synchrony knowingly & willingly violating my rights granted to me under the Fair Credit Reporting Act ( FCRA ). 

Hard Hit Inquiries XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Cc : XXXX County Court House XXXX, Montana XXXX
Product: Checking or savings account

On XX/XX/XXXX I was at risk of paying an overdraft fee for my Wells Fargo checking account. I requested a balance transfer from my credit card to my checking account to offset the negative balance. However, I was able to move funds that same day to my checking account and did not need a balance transfer. I requested to have the balance transfer cancelled that same day, but was told no such transfer was on my account. 

On XX/XX/XXXX, the balance transfer appeared on my account and I was charged a transfer fee. I called to have the fee removed as I did not want this transaction to go through. Wells Fargo told me they could not reverse the charge and I would have to pay the transfer fee. I attempted to have this transfer cancelled before it went through, and should not be charged a fee for a service I did not request.
Product: Debt collection

This company ignored FDCPA procedures for debt collection and improperly reported this to CRA 's without ever attempting to validate the debt. Rather, an " investigation '' did not begin until after this account was placed on my husband and I 's credit reports. 

I received a notices from the company, giving me 30 days to dispute the validity of the debt. I immediately responded, in writing, in correspondence received by the company XX/XX/2019. My response to them clearly outlined the amount of the debt I was disputing, which I'd already discussed with the original creditor, and requested an updated statement reflecting the actual amount owed so that payment could be remitted. 

Instead of a response, I received adverse action on my account. It was until I reached out by phone that I received this. As my husband 's employer was always paying the lease breaking fee, making payment itself was never a concern, however the amount needed to be corrected. The company ignored this request and reported the account to CRA 's before validating in violation of FDCPA. 

As they were notified in writing within 30 days of the original notice, their job was to cease collection activities while this dispute was investigated, and as such, should not have reported to credit report agencies until that was completed. As a litigious consumer, I am well within my rights to now file suit for this violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, NV XXXX, XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Debt collection

Debt was paid in full XX/XX/22 to XXXX XXXX a subsidiary of XXXX XXXX. They have told me they have sent over their paperwork to relieve me from collections 3 times, when I contact the collection company they try to intimidate me into making another payment for the full amount. I have filed a few disputes with XXXX as well as XXXX, they reply with statements saying amount is accurate with no representation for me, I have provided copies of payment and still reporting as in collections even though XXXX  says I do not owe and debt was paid in full
Product: Credit reporting or other personal consumer reports

Sent to : XXXX  CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my Ally Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXX grandparent, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, Transunion, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account XXXX XXXX XXXX
Product: Credit card

Bank of America does not let me cancel auto pay. They charge {$330.00} monthly. I called them and they refunded it on XX/XX/XXXX. But they charged it again on XX/XX/XXXX. 

Their customer service is extremely inefficient. I spent more than two hours, spoke 9 different people, one of whom is a customer service specialist. None of them was able to cancel my auto pay. They kept me transferring from one department to another with no solution at all. 

They are keeping my money with no right and I want my money back! 

If you never get any credit card from Bank of America, please dont. Once they hook you their auto pay system, there is no way they will let you go. You are stuck with them forever. And once again, their customer service is the most inefficient and horrible service I ever experienced!