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

On XXXX XXXX XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX  Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XXXX and XXXX XXXX. My account was closed in XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XXXX XXXX XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XXXX XXXX XXXX they posted another late payment to my account for the month of XXXX XXXX, 8 months after the alleged late fee occurred which caused my credit score to  plummet almost XXXX points. Further more the name is reported inaccurately on this account.
Product: Debt or credit management

And account was open up in my name of the of the Year 2006 stating on the debit card I now have customer since 2006 I wasn't old enough to open an account this has been obviously been a problem for me for a long time because of hello my credit score is and how hard and difficult it is to receive or get a loan from companies that usually wouldn't deny me I've contacted the bank and they said they know nothing about it but yet they still send me cars and and letters stating how much benefits I could have but if I just played with an account I still have not received any compensation from this company of which I should have been a part of and I believe I am a part of so I'm asking you to please resolve this issue because it seems like their focus is on everybody else but mine singling me out I appreciate your time and consideration thank you for your hard work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting Bank of America who reported the initial credit card charges and delinquency. I spoke to XXXX different people in XXXX different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open this account
Product: Credit reporting or other personal consumer reports

I have received a handful ( XXXX new ) hard credit inquiries over the past XXXX weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX Bank of America ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/2024 Reported by XXXX XXXX ) XXXX XXXX XXXX ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/2024 Reported by XXXX XXXX XXXX XXXX XXXX Inquiry date : Notified by XXXX XX/XX/2024 but could be up to a few days before then Reported by XXXX XXXX XXXX XXXX XXXX  Inquiry date : Notified by XXXX XX/XX/2024 but could be up to a few days before then Reported by XXXX
Product: Credit card or prepaid card

Dear COMENITYCAPITALBANKXXXX XXXX XXXX XXXX XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX for 30-120 days.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Portfolio Recovery Services states that they purchased accounts that I owe. However, I was never notified of the accounts nor did I receive notice of my right to dispute the accounts with Portfolio Recovery Services. 

Additionally, I have mailed numerous letters requesting validation of the debt, with no response. Yet, the continue to update the information with the credit bureaus when I dispute the tradeline on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the Commonwealth of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX ).
Product: Credit reporting

Transunion is not doing a proper dispute investigation for 2 tax liens that are reporting on my credit report. The information has been verified and deleted from the other 2 credit reporting agency 's which is XXXX. ( they deleted them ). However transunion keeps telling me that the information is correct and has been verified. This is wrong because I did Not have 2 tax liens to begin with. It was only 1 tax lien which was paid in full. I had contacted the XXXX clerks office and it was agreed this information will be deleted from my reports. Transunion still has not deleted them and it is causing a hardship in me obtaining substatial credit as it is affecting my credit score in a negative way.
Product: Checking or savings account

I am a savings acct customer with Discover bank. Tried to open a CD and move funds from discover savings to a Discover CD. The online process is horrible and requires multiple phone calls and still no account set up. I also called the FDIC complaint line an was told by staff ONLINE BANKING is the worst. 

Please fix the mess. A known acct customer and my background is well known by the bank. why the constant run around? Sure they pick up the phone but never get the issue resolved. 

Be aware banking online not as simple as it should be.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( XXXX, XXXX, and Equifax ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy!

Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Product: Debt collection

I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX  never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX  so I never opened any of that mail.
Product: Credit reporting or other personal consumer reports

I requested information regarding potential mortgage products from The XXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of The XXXX XXXXXXXX XXXX  to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : XXXX, XXXX and Transunion and they refuse to even investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the collection account is reporting an active payment history and there's no contract between myself & I.C. Systems nor XXXX making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about how Credit Karma does their reporting with credit information/score. I want yo know how Credit Karma got these scores that they are reporting on my credit report vs the XXXX XXXX credit reporting from all XXXX XXXX XXXX. Also, I have tried to dispute to some information on Credit Karma, but I am not able too, due to error message states that I can not dispute over the XXXX so therefore, I will need to call each Credit Bureau Companies to dispute information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Some of these accounts that were previously removed and subsequently re-added, which is a direct violation of 15 U.S.C 1681i ( a ) ( 5 ). It has come to my attention that despite my efforts to rectify inaccuracies on my credit report, certain accounts have been unlawfully reinstated without proper documentation or justification. Furthermore, my credit card ( Social Security Card ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities Equifax, XXXX, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C . 1681 602 A. State Ii 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 ) ( 1 ) 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 his inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Capital One has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Capital One, XXXX and XXXX must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. However, to this date, I have not received any response from them. 

Firstly, the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) is being reported inaccurately. I disagree with the Balance amount of {$8500.00} as I recall it to be lower. I request you to remove the information regarding the Past Due amount since this account is closed and charged-off. As my credit score is affected by the changes applied to my accounts, I kindly request you to mark this account as disputed so that it does not impact my credit score. 

Secondly, the XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) was never late. Please remove the late payment entry from the account. 
Thirdly, the information presented on the account XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is inaccurate. The original creditor for this account is XXXXXXXX XXXX XXXX not the one you have indicated. You have reported a higher balance of {$2500.00} than the amount I owe. I dispute this account and request a verification of the Date Opened and Date of First Delinquency. 

Lastly, the information presented on the account XXXX ( Date Opened : XX/XX/XXXXXXXX Balance : {$330.00} ) needs to be investigated. I know that the original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX. The balance amount of {$330.00} is inflated and inaccurate. I do not recognize this amount and believe that I owe a lower amount. Therefore, I dispute the entire account and insist that you verify the Date Opened and Date of First Delinquency.
Product: Debt collection

I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
Product: Debt collection

I requested validation of debt twice and did not receive it. The debt collection agency WAKEFIELD & ASSOCIATES did not send me validation of debt both times. I am attempting to hold them accountable, and they are trying to block me out. My second complaint was marked as duplicate when it had different context. I want the account removed. It is an alleged medical debt. The company claimed they sent me a notice back in 2019, I did not receive any notice. I asked for the notice again and my request was further ignored. I want the account removed. shows incomplete in my consumer report but no one is doing anything to correct it per the FCRA. The debt collector is breaking FDCPA, FCRA, and Furniture Rules and statutes. I told them to cease and desist communication and collection activity until they provide me the info I asked for and they are refuting my request. This FDCPA 15 USC 1692g ( b ) and 12 CFR 1006.34C of the Debt Collection Rule.
Product: Debt collection

I was never informed of the debt being purchased by Torres Credit Services via mail or phone. I am not sure when they purchased the account from XXXX. However the account with XXXX remained OPEN although the service was disconnected at XXXX XXXX XXXX due to the sale of my property. Payment was paid in full with XXXX not Torres Credit Collection Service which is reporting on my XXXX report and is INACCURATE and needs to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX XXXX XXXX Equifax indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.