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

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After dealing with XXXX XXXX on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX Payment late even though I had spoke with multiple XXXX on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX XXXX that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX XXXX and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the XXXX bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment Experian Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes submitted to get this bankruptcy removed that is reporting incorrectly. I have been disputing this for years with Experian. 

XXXX XXXX XXXX have removed the item that was being incorrectly reported. 

Experian refuses to remove and continues to electronically validate this item as accurate using a third party services This third party is reporting inaccurate information Please instruct Experian to remove the item as XXXX and XXXX have
Product: Credit card or prepaid card

Someone I know stole my card to my " current '' bank account and they've refused to refund me my money and investigate the situation.
Product: Credit card or prepaid card

I opened an XXXX XXXX credit card in XXXX and also set up the auto-payment feature. It turns out Bank of America only charge me the minimum balance payment but not the full credit payment and as a result, I was charged credit interest since then. A lot of people have openly complained online about this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX When I called the bank of America yesterday night ( XXXX ) to clarify this issue and told them this is the 1st time in my life to be charged for credit card interest, I requested them to refund full or partial of this interest. The bank of America representative blamed me to make the mistake and refused to refund any interest charged. 

It reminds me of a similar issue with the other credit card I have with the bank of America. At that time, the auto-pay setup somehow also only deduct the minimum balance but luckily I notice this situation and manually make the changes to prevent interest charge. 

All my credits card are set to pay the full balance automatically but only BOA has the issue and charged me interest. 

the bank of America seems intentional does this to earn greedy money and refuses to return this interest charge. I was charged 4 times so far and believed I will be charged another time for XXXX. 

Posted Date Reference Number Payee Address Amount XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX On the other side, I am uploading my XXXX XXXX checking account screenshot from XXXX to XXXX to show that I always have enough fund to pay the full balance of this BOA XXXX XXXX credit card ( It's just around {$2000.00} but interest charge has accumulated to around {$200.00} charge ). It's their misleading/intentional setting that results in this interest charge. My other BOA credit card is set to pay in full and never involved in any interest charge. I should be compensated for this loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the timeframe of XX/XX/XXXX up until XX/XX/XXXX. I have made contact with Equifax regarding fraudulent inquiries listed on my credit report. I have spoke with agents, supervisor as well as management in what they call their consumer affairs department. I was told to file a police report and or FTC report. There was no specific details on how I was to file either report. After faxing over documents in XXXX of XXXX I was told numerous of times that my documents where not visible. I continue to resend the documents via fax. During the month of XXXX I was told that they see the documents however my documents are not valid. I question that statement. I was hung up on, transferred to survey and put on hold for hours on many different occasion. One agent finally told me that the FTC would only be consider valid if I have five accounts listed. I then went on to correct the FTC and mail in by certified mail the FTC, police report, utility bill, and my drivers license. I called once I seen my documents had been delivered on XX/XX/XXXX. I made contact with numerous of agents on XX/XX/XXXX who stated that my documents had not been received although the tracking stated delivered. I have continued to reach out to Equifax to no avail and under the fair credit reporting act Equifax had 30 days to remove all fraudulent information from my credit report but failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters
Product: Checking or savings account

A check was mobile deposited into my account on XX/XX/2022, not sure of the exact date. I went to access my account on XX/XX/2022, and my account was locked. I called the bank to see why and they said I deposited a bad check. I told the representative I haven't made a mobile deposit. I have never made a mobile deposit as long as I had this account. My work deposits are still frozen and no one has given me any answers except they are investigating. Meanwhile, I have bills, children, grandchildren, and family. My rent is due on the 1st of the month considered late on the XXXX. Today is XX/XX/2022. The local branch has been giving me a hard time with no answers. This is a setback for me and I'm the victim. That's just like you get shot but I'm the one bleeding. This isn't fair at all. I didn't do this. I don't even know how to do a mobile deposit furthermore I don't even know what the check says. My direct deposit is not even attached to the accounts they hacked. This doesn't make sense at all. I have to suffer for someone else behavior. Just give me my money I can bank somewhere else. They said I would receive an affidavit by email haven't received anything but a frozen account, bill collectors, the runaround, and no access to my money I worked for.
Product: Vehicle loan or lease

I am writing to formally dispute inaccurate information reported on my credit report regarding two accounts, and I am requesting immediate removal of these accounts in compliance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain misleading and erroneous information, including late payments and closed account status, despite being fully paid off : Account Number : XXXX Creditor Name : XXXX Status : Closed Disputed Information : This account is incorrectly reporting late payments, even though it has been fully paid off and closed. 

Account Number : XXXX Creditor Name : XXXX XXXX XXXX Status : Closed Disputed Information : This account is also inaccurately reported, and I believe it is showing information that is no longer correct or relevant. 

Both accounts have been fully paid off, yet they continue to report negative information such as late payments and an incorrect status, which is misleading and damaging to my credit score. The inaccurate reporting violates the provisions set forth in the Fair Credit Reporting Act, particularly under the following sections : Section 1681i ( FCRA ) : Under this section, consumers have the right to dispute inaccurate or incomplete information. The credit reporting agencies are required to investigate and correct any inaccurate or unverifiable information upon receiving a dispute. 

Section 1681c ( FCRA ) : This section mandates that outdated or irrelevant information should be excluded from credit reports. Any inaccurate or unverifiable information, including incorrect late payments or closed account statuses, must be removed. 

Section 1681e ( b ) ( FCRA ) : This section ensures that credit reporting agencies maintain the accuracy and fairness of the information they report. The continued reporting of inaccurate data, including late payments on accounts that have been paid off, is a violation of this requirement.
Product: Credit reporting or other personal consumer reports

Ok I have contacted all my creditors each of them saying there is not late payments on my credit report from them. None of them are reporting late payments. I have tried to call experian but I can't get through. I have written them but nothing happens. This is my second and last complaint before I take legal action against them. I want this fixed. Please remove the late payments that no one is reporting late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. The situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld thank you.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the client 's right to counsel. We were advised the response to our requests would be provided on X/XX/2017 - this does not allow us to complete our audit of the response to assist our client. An Arbitration complaint has been filed against the foreclosure action and a Lis Pendens will be recorded referencing the same. We request a postponement of the sale date to allow us the time we need to assist our client.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.

DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information ENTEGY is furnishing.

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE XXXX DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX SHOWN AFTER CHARGEOFF HIGH CREDIT-DIFFER FROM XXXX, XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE LAST ACTIVE-DATE XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATE DIFFER FROM XXXX, XXXX & EQUIFAX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX  complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account 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

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXXTransunion is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXXTransunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my 5th complaint to Experian and XXXX informing them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days after the XXXX XXXX XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Product: Mortgage

XXXX file this claims against Colorado civil right for breach of contract and fraud My house damage by water, the damage has been fix without a lien waiver form, without a third party authorization and the damage is less than {$10000.00} paid by me. And on about XXXX XX/XX/2019 I send an endorsement check that was issue by my insurance with my name and Colorado housing authority in it to chfa draft department, according to the policy I should receive the check within 5 business days because is not exceed {$10000.00} but the company taking action against me refussing to send the check back that cause my default account to be current, chfa in the process to evicted me and refuse to send the check back to me the amount is XXXX. i contacted them previous time I was told that due to national disaster that cause my check to be held but they send a female agent on XX/XX/2019 to take pictures of my premise, I ask her why she took a picture of my house she replied that chfa is going to sell my house I was embarrassing because my neighbors was out side.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 30 day late reporting on my credit reports with all 3 bureaus from KOHLS. 
I have been a perfect on time customer since XX/XX/XXXX and i have a 30 day late showing for XX/XX/XXXX. 
I had spoken to numerous personnel who stated that the late would be removed from all 3 agencies only to find they have not and will not remove it. 
I had spoken to 2 supervisors in XX/XX/XXXX in which they confirmed my late would no longer reflect on my report. On XX/XX/XXXX i spoke to a lady in the executive office who stated she will not remove the late payment mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/XXXX  XXXX  XX/XX/2020 CITIZNSONE XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had two fraudulent hard inquires on my credit that I did not initiate. One is from XXXX XXXX  on XX/XX/2023 and the other is from JPMCB CARD XX/XX/2023. I have no idea where these come from and did not try to open any new accounts.
Product: Debt or credit management

I previously sent a complaint to the CFPB about a company called XXXX XXXX XXXX XXXX. In essence, XXXX was a debt settlement company which assisted in paying off debt in a lump sum while allowing customers to pay them directly in one monthly payment. XXXX closed abruptly, leaving customers like myself with more debt than they had previously. This complaint went unanswered, yet XXXX left the debt accrued during their service to a company called Systems & Services Technologies , Inc. ( SST ). SST has contacted me frequently in order to collect this debt. As stated in the previous complaint, XXXX closure had nothing to do with the customers, nor was it caused by them, but customers are being tasked with cleaning up XXXX mess. This is not right.
Product: Debt collection

I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of XXXX