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

I have two Accounts on my credit report that is Not mines. 

Account # XXXX Auto Loan is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXX could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX Debt Buyer is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the removal of my account from your credit reporting database. It has come to my attention that XXXX XXXX is no longer reporting my account information to the credit bureaus, which has negatively impacted my credit profile and ability to access credit. 

My account with XXXX XXXX has been in good standing for several years and I have consistently made on-time payments in accordance with the terms of the agreement. However, I recently discovered that my account information no longer appears on my credit report, leading to a decrease in my credit score and potential difficulties in obtaining credit.

The removal of my account from the credit bureaus ' reporting system is inaccurate and unfair, as it does not accurately reflect my credit history and responsible credit management. It is essential that my account information is accurately reported to ensure a fair assessment of my creditworthiness by potential lenders and creditors.

I respectfully request that you investigate the matter and reinstate the reporting of my account with [ Company Name ] to the credit bureaus. I have attached relevant documents, such as account statements and payment history records, to support my claim and facilitate the resolution of this issue. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once my account information has been reinstated in your credit reporting system. Please contact me if you require any further information or clarification. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

We have recently applied for a loan through XXXX  and the loan officer we were working with ( XXXX XXXX, NMLS ID # XXXX ) failed to communicate effectively with us. This resulted in us losing out in the opportunity to purchase the house we wanted. We have reached out multiple times and her responses would occur late in the evening after normal business hours. This made it very difficult to meet the requirements in the allotted time given. We would try to contact her during normal business hours to answer questions or concerns in which she failed to return our calls or emails. We feel this is an act of unfair business and we were not given the correct opportunity to fulfill the loan/transaction requirements.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX and TransUnion, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX accounts are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Product: Credit reporting or other personal consumer reports

XXXX AND TRANSUNION IS VIOLATIONING USC1681N THESE BANKRUPTCIES HAS BEEN DELETED BY XXXX ACCORDANCE TO IS USC 1681n ( 1 AB. 2, 3b ) CIVIL LIABILITY FOR WILLFUL NON-COMPLIANCE TRANSUNION XXXX XXXX IS NON-COMPUANCE AND NEGLIGENCE CONCERNING TO PUBLIC BANKRUPTCIES XXXX, XXXX THESE PUBLIC BANKRUPTCY WAS DELETED XXXX XXXX WHICH THEY OBEYED THE LAW AND WAS REMOVED FROM XXXX XXXX 'S OF HOUSING AND REPORTING MY PUBLIC, 'PRMATE INFORMATION PER USC 6802 USC 6802 ALSO I HAVE PLACE A FREEZE ON XXXX XXXX ALSO I HAVE FILE COURT DOCUMENTS TO SUE XXXX XXXX 'S FOR THEIR MIS USING OF MY DATA WITHOUT MY CONSENT AND I HAVE PROVIDED PROOF I NEED THESE PUBLIC RECORDS TO BE DELETED IMMEDIATELY FROM TRANSUNION & XXXX I JUST DONT UNDERSTAND WHY IS XXXX SO HARD TO ABIDE BY THE LAW ALSO STOP VIOLATING THE GRAMM LEACH BLILEY ACT IF THIS ISNT DELETED I WILL MOVE TO LITIGATION SEEM LIKE U GUYS WILL DO ANY FOR MONEY HOW DO YALL SLEEP AT NIGHT THS IS MY 3RD ATTEMPT 1M JUST ADDING UP THE PROOF TO SUE XXXX & XXXX THIS IS A XXXX ACT VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become Real Time Resolutions wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX  about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX advised that Real Time Resolutions continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and XXXX that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with Real Time Resolutions, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Product: Vehicle loan or lease

In a letter dated XX/XX/XXXX, CapitalOne stated they would reduce my payment for 6 months starting XX/XX/XXXX ; though they never followed through. I continued to tell the representatives that the payment was supposed to be reduced and I was told that that arrangement was denied and the full regular payment amount was due. I've been making the full payment since XX/XX/XXXX, except for one missed payment in XX/XX/XXXX. Now CapitalOne is threatening to repossess the car because they state I am behind 3 months at the full payment. I made a full payment in XX/XX/XXXX, and they are demanding another full payment today XX/XX/XXXX in order to make a separate payment arrangement to avoid repossession. CapitalOne did not honor the agreement they made in their formal letter to reduce payment and continued to demand the full payment amount and continued to call and threaten repossession.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$200.00} BANKCRUPTCY - XXXX XXXX XXXXXX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I requested a new XXXX payment account for my Bank of America Visa card. On XX/XX/2021 Bank of America Visa made 2 deposits and 1 withdrawal to the requested XXXX payment account for verification SEE ATTACHMENT. I provided the deposit information to Bank of America Visa, they verified the account, adding it to my payment sources. On XX/XX/2021 I processed a payment to Bank of America Visa from the " Verified '' XXXX payment account for the due date of XX/XX/2021. On XX/XX/2021 Bank of America Visa credited my account for the payment but several days passed and my XXXX account had not been debited. On XX/XX/2021 I contacted Bank of America Visa telephone customer service to inquire why my payment account had not been debited. They claimed that I had labeled my payment account as " checking '' rather than " savings '' which some how rejected the payment. Bank of America Visa locked my online payment portal because of the problem. The Bank of America Visa telephone customer service representative told me it may take a day or 2 to unlock my payment portal. On XX/XX/2021 the payment portal was still locked so I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST to make a payment. I gave XXXX the XXXX payment information ; including the " savings '' designation that I had been told was the initial problem making the original payment. This XXXX payment did not process as well. On XX/XX/2021 I added XXXX payment account to my Bank of America Visa account. Verified XXXX on XX/XX/2021, made the payment that Bank of America Visa credited on XX/XX/2021 and the debit to my XXXX payment account occurred on XX/XX/2021. On XX/XX/2021 I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST requesting a refund for the {$25.00} returned check penalty they debited from my Bank of America Visa XXXX XX/XX/2021. XXXX attempted to process a credit but the system rejected my request without explanation. XXXX informed me that Bank of America Visa has no escalation available to dispute this charge.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c XXXX XXXX XXXX XXXX XXXX XXXX  ..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 Has violated my right.. 
XXXX u.s.c. XXXX section XXXX A, State I have the right to privacy. 
XXXX u.s.c. XXXX section XXXX A, section XXXX it also state a consumer reporting agency can not furnish a account with out my written instructions. 
XXXX u.s.c. XXXX c ( A ) ( XXXX ) section state no consumer reporting agency XXXX make any consumer report containing. 
XXXX u.s.c. XXXX section XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to logon to my Experian account on XX/XX/2022 my User ID and/or my Password were not accepted. I then tried to reset my credentials using the Experian website application. I was notified that instructions and a link would be sent to me by email. 

My actual email address is XXXX. The address the reset instructions were sent to was XXXX. So the address referenced in the message from Experian appears to be partially correct and it was also partially wrong and the .com extension needs to be deleted.
Product: Debt collection

MRS BPO , LLC has been contacting me via email stating that they are collecting a debt for an account I had with XXXX  They are not the owners of this debt as I have spoken with XXXX who says that the collector is XXXX XXXX. I have contacted XXXX XXXX and paid off this debt. MRS BPO , LLC continues to contact me with the account details including the account number and amount of the paid debt asking for payment.
Product: Checking or savings account

I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!
Product: Credit card or prepaid card

Received a debit card from Cash App debit card that I did not apply for. I want it canceled. I have tried getting through to them using the Cash App phone number but it is impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I went to www.chexsystems.com and logged in to try to access my free consumer report. After logging in, I tried to order the consumer report but kept on getting errors. I received this error : Unknown Error : Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. 

I tried again and received the same error. I tried calling ChexSystems at XXXX XXXX XXXX on or around XXXX XX/XX/year> and was given the runaround by the confusing IVR. Ultimately I was not able to order my report via those methods. 

I tried submitting something else online ( not sure if it worked ) but I want to know why the system is not working and why I can not order a report while logged in. I want a written explanation of the technical errors. I also want ChexSystems to correct the technical errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX show a late payment posted on XXXXXXXX XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXXXXXX XXXX when I didn't even have a balance owed. 

XXXXXXXX XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}
Product: Student loan

I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.
Product: Debt collection

Received letter from credit corp solutions from a XXXX  debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with XXXX  as requested by cc company. This debt was identify theft and already resolved a while back.
Product: Vehicle loan or lease

When I want, the problem is when I went to buy the car the car had almost XXXX miles on it. They told me they were going to give me the car for {$50000.00}. I gave {$3000.00} down payment and they went through all the contracts and everything I signed whatever I had signed, but I never received the contract, when my first payment came supposedly I was going to pay {$700.00}. My first bill came to {$1200.00} so I called them and I said there's something wrong and they said no this is what we have. This is what you have to pay you have gap insurance you have this you have done this this, I said I didn't want none of that and I called to see when I was going to receive my contract, when I receive my contract I see that they charge me XXXX for the car XXXX not the XXXX that's the problem I'm having you know I have been paying the car and trying to get this fixed with them but they say they can't fix this if I am giving the car, my credit will be affected. I will have a repo and things like that so I don't wan na mess up my credit so I need help and I don't know what to do