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

I am uploading information and my exhibits. This company is in violation. I have tried to fix this matter but the company keeps sending the same response if they respond at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from CashNetUSA as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find an unauthorized inquiry on my credit report today, with no explanation as to why it's there. I regularly check my report, and this sudden discrepancy is completely unacceptable. Refreshing my browser did nothing, proving this is not a glitch. This needs to be fixed immediately, and I urge you to thoroughly examine the documents I submitted so I dont have to deal with this stress any longer.
Product: Checking or savings account

On XX/XX/2021, my bank accounts were closed by Bank of America for reasons they claim to be an alleged investigation of fraud reported by someone else. 

I had both business and personal accounts with them, which were closed. 
They mailed checks for my personal accounts but held onto my business account funds ( totaling {$5200.00} ) in their " holds harmless '' department, saying it was under investigation. 
There was no significant transaction remotely close to {$5000.00} that validated the freezing of my entire account. I have had my account for about XXXX years, doing my regular business transactions. But I have had a personal account for about XXXX years. 


It has been over a year, and there has been no progress in the investigation. 

I have called multiple times and visited my local branch, which just ended up putting me back on the phone with them. They create a brick wall where it seems they hope will get tired of trying and waiting until you eventually give up your money. 
I worked long and hard for my money, and I have no plans on relenting. 

If this avenue does not work I will try another until it is resolved.
Product: Credit reporting or other personal consumer reports

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

They are showing a balance of {$92.00} owed to XXXX- which was paid off in XXXXXXXX XXXXf 2022. This account had been disputed multiple times, I've uploaded my bank statement on multiple occasions and filed several CFPB complaints regarding this account yet the balance continues to randomly appear on my report. I paid it off - MAKE IT STOP!!!!
Product: Credit card or prepaid card

On XX/XX/2022, I sent payment to Discover Payment Center at XXXX XXXX XXXX XXXX AZ XXXX via USPS. I used the negotiable instrument given by Discover Financial Services via payment coupon attached to the billing statement and endorsed it as directed via the Bill of Exchange Act. This payment was delivered and received by Discover as of XX/XX/2022. The company has yet to apply the payment to the balance, and settle the account. I am aware that if the bill is dishonored, there is discharge to the extent of the amount of the tender pursuant to UCC 3-603 Tender of Payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 my ID was stolen adnthey got my credit and started to open up accounts on my report. The amount for this one is {$460.00} and the company name is XXXX COMENITY BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both all three credit reporting bureaus ( XXXX, Experian and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on Experian as ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to XXXX XXXX, Equifax, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?
Product: Mortgage

Rushmore Servicing sent me my XXXX 1098 Form and it was incorrect. When I called them, they has no idea or how to resolve. Who knows how many other customers were affected by this and all of these incorrect 1098 's have also been sent to the IRS.
Product: Debt collection

I called XXXX XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX, KS. I told them that I had no insurance and asked what the cost of an adjustment was and was told {$42.00}. I made an appointment, was adjusted and when I had to pay they said that I owed {$130.00}. I about cried. I paid {$65.00} at the time of the visit and fought the additional {$69.00}. It was wrong what they did! They told me that it would be sent to collections which it was. I went ahead and paid the {$69.00} just to keep it off of my credit report. They are now saying that I still owe {$76.00}. They stated that they gave me a discount at first but since I did not pay it in full right away they are charging me an ADDITIONAL charge of {$76.00}. I went in thinking that I would have to pay {$42.00}, I ended up paying a total of {$130.00} ( which they stated I owed as of XXXX 2014 ) and I have the remaining balance of {$76.00} with RSH & Associates in Kansas. This is NOT right!
Product: Debt collection

A company called XXXX XXXX XXXX, XXXX has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This is the second time I have file a compliant about the following information below. I am requesting that you promptly delete these addresses immediately. I do not believe a proper investigation was done from my file through your office : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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
Product: Credit reporting

hi, The This complaint is credit reporting agency " EXPERIAN '' they are reporting Bankruptcy on my credit report which is inaccurate it should been removed, The other credit reporting Agency 's XXXX and XXXX XXXX deleted the " BANKRUPTCY '' Why not Experian does the same thing, also want to remove my personal statement on Expierian report i want to remove it also experian drop my credit score for no reason from XXXX to XXXX which is not fair, i do n't know why is experian treating me like this, i think is my name because i am XXXX othe wise there is no reason the way they are treating me like this XXXX XXXX
Product: Debt collection

On XX/XX/19 at XXXX I received an automated call from XXXX stating " we have been attempting to reach you in regards to a legally required notice placed in our office for you. Please contact us back at XXXX. '' When I called back the person did not identify herself but the company name is Atlantic Recovery Services and stated that they were attempting to collect on a debt from XXXX on behalf of XXXX. I asked her to send me information regarding the debt she stated " it has gone past the notification process. '' I informed her that legally they need to send the information so that I can verify the debt but she continued to do so. At that point, I told her that if they were not going to follow the law that they should stop calling me. I don't know who XXXX is or why they would have another company calling to collect a debt that didn't originate with them. In XX/XX/XXXX I received a similar call from XXXX XXXX at XXXX saying that they were also calling on behalf of XXXX for a debt with XXXX. That time they also refused to send information on the debt and threatened to send a Sheriff 's officer to my home the following day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. Please repair and update these accounts.
Product: Credit card or prepaid card

The XXXX  marketing opt-out page has been down for over a week. It is currently not possible to opt out of having my private transaction data with other entities without my consent. 

XXXX XXXX XXXX
Product: Credit card

This is for Synchrony Bank. I have never missed a payment on any credit cards with them or anyone else. XXXX and XXXX payment always on time as well. I have 100 % on time payment history and many of my cards did not have a balance. Without notice they lowered limits on cards with a balance, and closed cards with no balance. XXXX no balance card had {$2600.00} available credit, another {$4600.00}. Again, I have never missed a payment and have paid cards off in the recent past. This caused customer harm to me by changing my overall credit usage % and lowered my score XXXX points! The cards they lowered limits too they lowered it so I was maxed out after. How is this allowed? If you look at comments on social media I am one of thousands. This is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose * XXXX XXXXXXXX -- XXXX XXXX * XXXX XXXX XXXX- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$740.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item
Product: Student loan

On XX/XX/XXXX I submitted a written request for a refund to my federal student loan provider, EdFinancial, stating " The Department of Education announced that those who qualify for student loan forgiveness who have been making payments during the student loan pause are entitled to get a refund for those payments, and that, in order to do so, they need to contact their student loan provider directly. I am requesting a refund of all of the payments I elected to make during this pause, which were not required. '' and then called and made a verbal request on XX/XX/XXXX requesting a refund as well. I have received no updates nor any timelines and it has been 6 weeks since I submitted both a written and verbal request to EdFinancial.
Product: Credit reporting or other personal consumer reports

There are many derivatives of my name and address reflected on my credit reports that are inaccurate. I would like my profile to be updated to reflect only the following address, full name, birth date, and personal information to coincide with my government issued documentation that is attached to this complaint. 

Full Name : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, WV XXXX
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information XXXX  and Equifax are reporting on my credit file for USBK Court XXXX Texas Docket # XXXX and USBK Court XXXX Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.