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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Product: Debt collection

I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, Experian, and XXXX to get settled accounts off of my credit reports to not show as delinquent account. 

I mailed them letters, and disputed the accounts on the applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.
Product: Bank account or service

I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recently received a copy of my free credit report and notice some items that is not mine and I notice that I have never applied to these company so therefore. These inquiries should move ASAP with in 3 Business days after recognizing that none of the ones I have listed below have any permissible purpose XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Transunion And XXXX Have took the time to report this information with out my consent and verify be me I look forward to you guys response as you know this is CONSUMER REPORT AND I AM A THE CONSUMER I BY LAW TELL THE REPORTING AGENCIES WHATS SUPPOSE TO BE ON MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX initial account opened. Somebody was paying bill while buying more items. Latest debt collector sent certified letters to an address I never lived at ( same as others ) should be fraud knowing I don't live there. ( A simple XXXX search would show that ) Debt collector very rude and mean. Billing an address, I never lived at, wrong social security number somebody else 's cell number and bogus work number also an employer I never worked for. Have all paperwork showing the house I bought and live at is different. Application from XXXX wrong work number, wrong cell number, wrong social security number. Debt collector should be fined. Where can I send my proof to? Midland credit management ( current owner Asset Acceptance , LLC ) XXXX XXXX XXXX original creditor XXXX  XXXX. ( Internal legal account no XXXX ) last 4 of original account number XXXX  is all they have on paperwork. XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX XXXX switched from XXXX XXXX to Barclay 's for credit cards. 
I made a payment XXXX {$12.00} to XXXX on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount was posted to my account on XX/XX/16. It was then credited to my Barclay 's account. Barclay 's says I still owe {$12.00}, although my account shows a XXXX balance. Because I was getting past due notices, I went ahead and paid the {$12.00} again. Barclay 's also added a {$2.00} service fee, which they later removed. I have made numerous telephone calls, and customer service has not resolved my problem. 

I also filed a written dispute with the bank, and I started receiving messages from the president 's office. They leave a call back number, and I call back and get a voice mail box. I have left 3 messages with no call back. Then I received an email saying they are unable to contact me and gave me a phone number to call. I called the number, and there was a message that I had won a gift card from XXXX. This did not sound right to me, so I hung up. 

I checked my account again today and saw there is a {$0.00} current balance with a statement balance of {$14.00} ( {$12.00} plus the {$2.00} service charge ). I can not get any help from Barclay 's. They promise to correct the error and agree there is an error.
Product: Mortgage

As of XX/XX/2021 I have a new lender Mr. XXXX loan # XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/2021 I made my first payment online for {$2500.00}, I received a confirmation email from Mr. Cooper acknowledging my payment. 

I called twice during the month of XXXX letting them know the funds had not been debited from my account both times they told me due to conversion it would take a few days. 
on XXXX XXXX I went online to make my XXXX payment and it states I am past due for XXXX, I need this issue taken care of I do not want to be charged a late fee or a bad mark on my credit report on my first payment, I had plenty of funds on my account. 
XXXX XXXX XXXX XXXX ROUTING XXXX, today I called and they said I need me to prove I had funds in the account, that is so unnecessary but I have attached proof the they were plenty of funds on my account.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans and credit cards from XXXX XXXX XXXX with a balance of {$11000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$20000.00}, XXXXXXXX XXXX with a balance of {$3900.00}, XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} and XXXXXXXX XXXX XXXX XXXX  with a balance of {$11000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
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 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 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 info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX  Account # XXXX Amount {$200.00}
Product: Checking or savings account

As of XX/XX/2020 i have been in contact with Bank of America over an account they chose to close on a business decision unbeknownst to me which has caused a 50day hold on XXXX i can not pay my rent my credit and bills are all over due and i have to be out of my current location in 20days and have a XXXX old daughter with no place to go due to the lack of communication with Bank of America and there policies and procedures they do not follow! no answers and no contact from XXXX i had to contact them every week!
Product: Credit card or prepaid card

Received the statement from XXXX XXXX XXXX  account credit card with charges for XXXX XXXX XXXX XXXXXXXX ( XXXX ) for {$1.00} XX/XX/XXXX and {$99.00} on XX/XX/XXXX. These charges were not recognized by me, so I called the phone number and the person I spoke to said it was for a gym membership or fitness program that would be billed monthly in the future. I did not sign up for any fitness program and had no reason to do so as I belong to the XXXX  and have access locally to any fitness programs that I need. The woman that I spoke to said that she could cancel the monthly membership, but could not cancel the initial charges, she did say that she could offer me XXXX XXXX XXXX for XXXX of the charge and when I said I did not want them, she said she could offer me her employee discount toward some XXXX XXXX XXXX  something. I then told her that I was going to report them to the state Attorney general and she said that they would not be able to do anything about it. I then called Comenity bank who is the bank that the card has come from ( recently changed from the previous bank. I spoke to one XXXX who said he was going to transfer me to someone that could help and then the line went dead. 
I did report this to the XXXX on XX/XX/XXXX via an email complaint. 
On XX/XX/XXXX I called the XXXX XXXX card number and reported this to them. They started a fraud investigation and stated that they would cancel the card and send me a new one. Any resolution could take up to 90 days. I told them I did not want a new card, to just cancel the old one. We have paid the bill, minus the {$1.00} and {$99.00} charges. 
I heard from the AG office today ( XX/XX/XXXX ) who stated that they were not the right agency, and that I should report this to the CFPB, and gave me the phone number. After calling, I decided to submit the complaint online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a copy of my TransUnion report and found an item that was not mine. A debt was being reported as : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX ( this is cut and pasted from the XX/XX/XXXX TransUnion Report ) I  wrote to this collection agency several times asking for verification of the debt and several times the letter was returned as an incorrect address. The Post Office ultimately informed me the address did not even exist when I tried to send a certified letter. This process cost me several months of bad information being reported. 

I both phoned and wrote a letter to TransUnion informing the company that it was required by law to provide correct contact information in its reports. TU continued to report the debt and I was never able to contact the creditor. This entry has now remained in my report for two and one half years. 

On XX/XX/XXXX I again obtained a copy of my TransUnion credit report. It is still reporting the address of the collection agency as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, NV XXXX ( This is cut and pasted from the XX/XX/XXXX TransUnion Report ) TransUnion has done nothing to correct this issue. It does have an obligtion to either report the correct address of it's clients purusant to the FCRA. This has not only affected me, but presumably every other person who has tried to contact this collection agent by mail. TransUnion has been extremely negligent in this regard. 

I do not expect much from TransUnion except a stock response " contact the collection agent '', etc. However, I do intend on using this complaint to the CFPB as well as the expected stock response to this instant complaint to form the basis for a lawsuit against TransUnion. So, go ahead, TransUnion ... igonre this for the third time over the course of YEARS with a stock response which, once again, does nothing to address the issue.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.