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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX LL, 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, credit repair services, or other personal consumer reports

I recently found out that Experian zeroed out my credit score without explanation. My credit score was XXXX in XX/XX/2020. This week, I was told by my bank that my score is now XXXX and that this was the basis for denying my car loan application. How can my credit score go from XXXX to XXXX in less than XXXX months without my having any delinquencies, charge-offs, late payments, or any other derogatory activity on my credit report?
Product: Debt collection

To Whom It XXXX Concern, I am filing this formal complaint regarding Credence Resource Management, that has violated my rights under federal law. The agency has placed a collection account on my consumer report without providing the legally required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given a reasonable opportunity to dispute the account, which violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

The actions of Credence Resource Management are in direct violation of my consumer rights. Specifically, they have engaged in false, misleading, and deceptive practices by : 1. Failing to provide the required validation information before furnishing the account to consumer reporting agencies.

2. Furnishing information to consumer reporting agencies without first complying with the disclosure requirements under 12 CFR 1006.34 ( d ).

3. Violating 15 USC 1681s-2 ( a ) ( 7 ), which governs the responsibilities of furnishers to provide accurate information.

It is both unfair and unlawful for this agency to report this collection account without complying with these regulatory requirements. Their actions undermine my ability to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly. I seek immediate resolution, removal of the inaccurate collection account from my consumer report, and enforcement of compliance with all applicable laws. 

During a recent interaction with a representative, I was informed that this agency was XXXX at first. However, I have since confirmed that they are, in fact, a collection agency, not XXXX  after a phone conversation. This deliberate misrepresentation is both deceptive and unethical. 

Thank you for your attention to this matter
Product: Checking or savings account

Cant open any accounts. Never had a checking account with the banks
Product: Credit reporting or other personal consumer reports

I have been affected by the XXXX XXXX XXXX. There are discrepancies throughout all of the major credit profiles such as Transunion, XXXX XXXX XXXX. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank obtained my credit report without my authorization pulling a Hard Inquiry on XX/XX/2019. I do not have an account with Comenity Bank therefore Comenity Bank has no reason or authorization to run a Hard Inquiry for credit offers, other than a soft inquiry in violation of the FCRA section 604 ( a ) ( 3 ) ( f ). Comenity Bank must immediately Notify XXXX XXXX Credit Agency, XXXX, XXXX  and XXXX  to remove the inquiry. Failure to provide me with a copy of a credit application with my signature constitutes an invalid Hard Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is a third party debt collector that have been reporting incorrect information to my credit history as well as harassing me. They stole my information they claim they purchased without my consent and knowledge and started trying to collect a debt that does not exists. I have reported on numerous occasions that they are acting illegally but they claim they are justified because they are a third party debt collector. I do not owe any debt furthermore did not authorize to be contacted in anyway with this company. They have not provided any documentation, proof etc to prove their claims are legit. All they can provide is a contract they have with the creditor and not with me. I did not authorize my information to be sold to a third party debt collector. I do not owe any debt. I do not agree or consent to being harassed by a company I have no relation with or knowledge of. That is against the law. This company can not provide any documentation from XX/XX/XXXXthat proves any liability or debt except for a receipt they may have gotten. Furthermore my signature authorizing any of this have not been provided to this company. For all I know this company stole my information and have been harassing me. I want it to stop. I want National Credit Systems to drop from my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting 2 adverse trade lines ( 2 credit cards ) as 4 adverse trade lines and 1 closed account paid ( 1 vehicle ) as 2 closed accounts paid. As a result three Navy Federal Credit Union trade lines are reporting as six Navy Federal Credit Union trade lines. This is negatively affecting my credit score and credit worthiness. The following Navy Federal Credit Union ( vehicle ) closed account paid is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same vehicle loan is listed as two different trade lines with two different account numbers. The 30, 60, and 90 day lates are reporting twice as late payments. 
The following Navy Federal Credit Union ( credit cards ) accounts are reported as follows : XXXX XXXX XXXX Past Due : {$2200.00} Payment : Collection XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Past Due : {$2200.00} Payment : Profit & loss Balance : {$2200.00} XXXX XXXX XXXX Past Due : {$2000.00} Payment : Collection XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Past Due : {$2000.00} Payment : Profit & loss Balance : {$2000.00} The amount past due is reporting a total of {$8600.00} ( XXXX + XXXX ) two times the amount of the total past due. The total past due is {$4300.00}. 
Last active date XX/XX/XXXX is incorrect. According to the report, both accounts were closed by credit grantor in XX/XX/XXXX. My records indicate last payment made on either credit cards was XX/XX/XXXX. A negative credit reporting for both cards began in XX/XX/XXXX. No payments or activity were made after that date. 
I have attached a copy of my credit report supporting my complaint. I have blacked out information not pertaining to this complaint for my personal protection and privacy. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. Experian has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.
Product: Mortgage

Rocket mortgage failed to consider a canceled debt in the refinance process and had us pay a debt that was canceled and provided to them as well as failed to remove several of the creditors under there refinance team. As well as when we applied for a forbearance they made us sign refinance documents within the year raising the cost of mortgage due to a financial hardship.
Product: Debt collection

I 'm requesting to have this debt removed from the XXXX credit bureaus. I have not idea what this is from and it 's affecting my families ability to seek the financial help we need. I 've attached the mark on my credit report. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I was checking my " personal ' account today I noticed that Chase JPMCB CARD account number XXXX which is a business credit card started reporting on my personal credit report. I have never given chase business authorization to report anything on my account. how is it that one can't use business credit cards for personal things because its called commingling of funds but Chase decides out of no where to start reporting on my personal. I never authorized Chase business to do. when I did business with chase was for my business not personal.
Product: Mortgage

In XX/XX/2019 my XXXX year old mother was contacted by Benefit Mortgage in XXXX XXXX, CA about the benefits of a reverse mortgage. The broker visited her on many occasions, eventually presenting her with a 200 page " loan package. '' She was confused and because my father was no longer alive and I am living in DC, she did not have anyone advocating on her behalf. She signed the loan documents under the duress of the broker, a complaint she later voiced to me. In doing some digging on my own, I discovered that any citizen who applies for a reverse mortgage must complete a counseling session to educate the individual about what they are entering into. Once completed they receive a certificate signed by the counselor and then by the client. When I finally received a copy of the counseling certificate from Benefit Mortgage ( attached ) I noticed that there was only the counselor 's signature and no signature from my mother. This backs up her claim that she never received the counseling. The name of the broker is XXXX XXXX and his manager is XXXX XXXX, both of Benefit Mortgage in XXXX XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gotten so many inquiries and accounts under my name that i have no idea of because of identity theft back in 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA, N.A. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA, N.A. with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Debt collection

I sent in the 1099 form received from XXXX to show Equifax that this was not my debt on XX/XX/. Equifax just updated the file. I called in on XXXX  and asked them to explain why the debt was still being reported on my account. The representative couldn't answer my question but instead reopened the dispute. I just checked my credit report and the account is still on my report with a new updated date. This company is violating my right as well as inaccurately reporting on my account.
Product: Credit card

I have been trying to have my card unblocked from the fraud protection system at Citi and have called their support line about 10+ times. I was requested to provide a phone number to verify my identity, which I did, but no call came. I was asked to provide my employer 's phone number, which I did and which is a law firm, but no call came to verify my identity. I was also separately asked to fax in my passport ID, a copy of my lease agreement, and a utility bill, which I did, but their records does not show that the fax was received. I confirmed the fax number several times with their customer support agents but because there is a disconnect in the team that handles faxes and the persons I am speaking with, there is no way for them to see whether the fax has been sent. I have called again and again to see if there is any other avenue I can use to try to get my card unblocked. 

Likely, my international ticket purchases triggered their fraud system and I am still able to log onto the Citi card website to check the purchases. I know the purchases are mine, but I ca n't get through the rather arcane processes to verify my identity. I do n't understand why I ca n't get a message from them on my phone, which is under XXXX XXXX XXXX and is and has a New York area code. I can not fathom why they were unable to verify my identity after calling my employer and call after call, I have been asked the same questions every single time I have called about my phone number and then offering to call my employer number and then asking me to fax in the documents again. I have done this so many times already. 

I want to be clear too that there are no fraudulent charges on my card, I can see from the purchase history of the account on which I am log in online that the purchases made were by me. I have also already paid off these purchases so there is no balance on the card. The entire process has just been very frustrating since the representatives have no authority to actually progress this matter further and for some reason they ca n't call me on another number while staying on the line. They have to hang on me to make the call, which course never comes and then the person I spoke with I never speak with again. Repeating this process for over 10 times has become very tiresome. 

I also received a notice in the mail that the account is being closed due to the fraud protection services. I tried to confirm whether the account was in fact being closed as mentioned in the letter sent to me, but the agent let me know that they could not provide to me this information without first verifying my identity. This letter was sent to me 10 days ago, it would have been nice for the agents to tell me this over the phone during this time the issue with my account instead of going through this ludicrous process. 

I understand the need for fraud protection, but when the company uses this antiquated systems to try to resolve the issue and then a dozen calls, faxes and conversations still can not resolve this issue, the system they have in place is simply inadequate. The time waste is also infuriating.
Product: Credit card

I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX inquriy from XX/XX/ ; XXXX XXXX inquiry from XX/XX/ and then there is XXXX inquiry on XX/XX/XXXX 



The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit reporting or other personal consumer reports

I previously disputed an inaccurate debt on my credit report with XXXX, XXXX, Experian. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.
Product: Checking or savings account

XX/XX/XXXX I deposited {$500.00} into my TD bank account because I was going to begin using my bank account more. Two days later XX/XX/XXXX someone sent out two different transactions through XXXX XXXX of {$250.00} totaling in {$500.00} that I had just deposited. These were obviously unauthorize, I filed a claim and have yet to receive provisional credit or any type of refund like I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

Capital one ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit card or prepaid card

I have been with Netspend card company about 6 years. I get direct deposit for my ssi. On XX/XX/XXXX, I got my direct deposit on my card. I could not use it so I called them and asked them why? They said it was some kind of fraud on my card?? I said ok. They said they would send me another card. I said ok. I never got the card.? So after a few days I kept calling asking them could they please send me another card to use because I have to pay bills. They said if I send them XXXX dollars they will send me a expedited card. I said ok. I got the card. I tried to use the new card I still could not? I called them on the XXXX of XXXX and they said I have to first send them some documents to prove that I am XXXX XXXX. I sent them state Id. Social security card. 5 pieces of mail. Human Resource letter statement that I get food stamps. All of this. They sent me back a email saying they want more?? I keep telling them I dont have anything else. I finally found a letter that a credit card company sent to me for a loan. It had my address on it also. I sent that to them. They still tell me they can not activate my netspend card??? My rent is behind, and my bills are due!!! I keep telling them that but they still will not send me my money. If you all can help me please do. I think their company is a fraud! I told them they probably spent my money. I am disappointed at them. I read on line that they have been sued for XXXX dollars. Now I understand why they dont want to let my money go. They are a company that seems to be defrauding people out of their money again.!!