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

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on these items are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or rituals therefore the sophism must be eradicated as is my not illicitly requested resolution, please do so HERE AND NOW! This claim has extolled ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : In regard to item questioned above, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as Not Reporting for Experian, XXXX XXXXXXXX XXXX XXXXXXXX for XXXX XXXX, and as Not Reporting for XXXX and as such are one or more having the appearance of being deficient of its exigency of reporting devoir and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted benefit to report. 
In regard to item questionably reported above, please note that Data Reporter Telephone Number is reported as Not Reporting for Experian, XXXX for XXXX XXXX, and as Not Reporting for XXXX are one, two, or each apparently in potential deviation ( s ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX reported an incorrect balance to the credit bureau 's. It was reported to XXXX also and I don't have time to wait for them to send me a copy in the mail then send to you bc it'll take 10 days.

Please do an out of cycle reporting and update this balance as soon as possible to ALL three bureau 's.

I will get my Attorneys involved if it's not corrected. Have no idea why you reported me owing more than I borrowed. You reported I owe {$120000.00} The correct balance is {$120000.00}.

I'm attaching copies of my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hrs stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in 2022, I noticed an issue on my XXXX credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in XXXX of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to XXXX to rectify the issue and received a response on XX/XX/ 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the Apple Card by Goldman Sachs, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with XXXX. This was done at least XXXX times. I have also called the Apple Card by Goldman Sachs line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.
Product: Money transfer, virtual currency, or money service

I seen an ad on XXXX with XXXX XXXX XXXX with a handful of cash and stated {$10000.00}. a month trading XXXX  and clicked the learn more tab. It then took me to XXXX  where I was greeted from a teacher XXXX XXXX. She showed me step by step how to trade cash from my bank Regions into XXXX  on XXXX. Then the XXXX  was sent to an exchange XXXX to buy and sell XXXX. It seemed I was profiting but I was being scammed by the XXXX, XXXX, and a refund service that was paid to retrieve my funds but also was a scam. I've lost {$10000.00}. and need help to get my money back.
Product: Debt collection

I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number.

The collection Company is named XXXX XXXX XXXX and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.
Product: Debt collection

They keep threatening me and my cosigners. We been getting non stop calls, emails, and mails. I sent a cease and desist letter to the company to stop all the calls and they are still blowing up my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX  last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a XXXX XXXX than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
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. 


I told Experian, XXXX, and XXXX to reinvestigate these hard inquiries : inquire name : # XXXX XXXX XXXX inquiring date : XX/XX/year>, inquire name : # XXXX, inquiring date : XX/XX/year>, inquire name : # XXXX XXXX XXXX inquiring Date : XX/XX/year> Inquirie name : # XXXX XXXX XXXX, inquiring date : XX/XX/year> However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.
Product: Checking or savings account

I have a checking account at Bank of America. I scheduled the payment of certain bills from my checking account in XXXX on XXXX separate dates, and made a XXXX transfer into those accounts from another Bank. The Bank of America application suggests that funds will be credited with 3 days ( not business days ) to your account and I scheduled bill payment in accordance with this expectation. On the day bills were paid, the transferee funds werent credited and my account ended up being overdrawn causing a two {$10.00} overdraft charges hitting my account. I had called Bank of America and explained to them the issue and asked why werent the funds I transferred via XXXX credited to facilitate payments of the bills. The response was as follows : We dont take responsibility for XXXX payments even though the service is offered on our platform. XXXX transactions usually post within 5 business days ( contradicts the 1-3 days stmt they have on the app ) and we will NOT reimburse you for the {$20.00} overdraft fee.
Product: Debt collection

A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.
Product: Debt collection

XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX  On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

The company never addressed why they violated the Fair Credit Reporting Act nor the Fair Debt Collection Practices act. After violating the law, now I know who the original creditor finally is and at NO POINT did the original creditor ever speak to me by phone nor did I ever state I would write and send them a cease and desist letter at anytime. This is a fabricated lie to protect the facts of which they violated the law. Again, knowing now who this original creditor is, they communicated by email and are attached. 

NO mail of anykind was EVER received from them. As of XXXX, XXXX, we relocated back to Florida and since relocated back to Texas as of XXXX XXXX, XXXX. If they were running their business correctly, instead of adding frivolous small collections to unsuspecting people, they should have seen where I lived and actually contact me and they would have seen that the issue was address back in XXXX. 

Additionally, when any company or individual starts with " XXXX Based '' or starts adding religion to their explanations, this is for one irrelevant and usually are trying to justify their illegal acts. 

Lastly, look at the attached emails, those are the only communications from them in any capacity and again they are getting their clients confused as it lists a home on sutton place that is not even mine! 

They are a complete disaster. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes over the past several years. Equifax continues to report a bankruptcy XXXX US Bankruptcy court XXXX CA on my file. I have provided documentation from the court that appears on my file. I have contacted the supplier of this information given to me by Equifax. The bottom line is Equifax is the only credit bureau reporting this inaccurate unverifiable public record. I have complained to the so-called provider about this information and have been told they have not verified or supplied Equifax with this information. Equifax has reported this inaccurate data on my file for over 7 years without any facts. I have asked them to supply me with a copy of the public record but they refuse. This inaccurate information has affected me financially. I have not been able to get the best rates on financial loans or credits. I have been denied because of this inaccurate information. I am not able to achieve home ownership because of the effect it has on my credit score. The FCRA states that disputed items be verified. If XXXX XXXX states they have not verified or provided any information. If the alleged court does not provide information directly to Equifax, how can it put this on my file but provide no factual proof? This is in violation of the FCRA. This is unethical and spiteful behavior by a company that is supposed to be a furnisher of truthful and accurate information.
Product: Debt collection

I am XXXX years old and on Social Security. As recently as yesterday morning I received a threating call from a XXXX XXXX in New York claiming he would sue me, ruin my credit, and step up harassment if I didn't pay {$4000.00} which was accruing interest daily. 

I have received over sixty calls from this person. I can not verify that he maintains a license as a debt collector in the state of New York. Sometimes he uses the name XXXX XXXX, other times he uses XXXX XXXX, and still other times he identifies himself as being from XXXX. XXXX XXXX. I received one letter from him that had two different logo 's, one was an XXXX under another, but both appeared to be third generation photocopy letterhead on the same page. 

I have contacted XXXX XXXX directly who advises the account owing {$4000.00} is now paid off. We also satisfied another XXXX XXXX charge from purchases made in the XXXX. 

XXXX XXXX certainly feels to me that he is acting with the profile of a scammer. I would like him and any associates to stop the intensive calling. 

Thank you!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE EQUIFAX, XXXX, XXXX DATA BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY
Product: Checking or savings account

On XX/XX/XXXX I notified Capital One that there was 6 unauthorized transactions with a total of {$4100.00} made by a company that goes by XXXX. These transactions were unauthorized because I have never dealt with the company before and never received a notification to approve any of the transactions that were made. Capital one noted it as fraud when I called to report the transactions. However, they denied my claim stating these transactions were not fraudulent and they did not see anything wrong with these transactions even though I have never dealt with them in the past. I called again on XX/XX/XXXX to ask why my claims were denied and they stated they will look into it once more. I then received a notification from them on XX/XX/XXXX stating the transaction were not fraudulent. I am writing because these transactions were unauthorized and they are refusing to refund me the money that was taken from my account.
Product: Mortgage

This is the fourth complaint against this Loancare/XXXX. MY LOAN IS PAID IN FULL ON TIME so we wont be using that as an excuse to not investigate this company. Once again I have called them multiple times and got transferred multiple times and sent email and sent documents. I paid all of my taxes this year. This means I went online and paid in full the entire balance for 2020. I then submitted a recite and called and spoke to XXXX the last person I was transferred too at Loancare/XXXX. He said they would look into it which is of course just another blow off. My monthly mortgage has not been the {$780.00} in months they first said it was because of an additional charges from my homeowners insurance putting it at over {$900.00}, with the last payment being in XXXX ; which still is not reflected on my mortgage payment this month XX/XX/2020 I still had to pay over {$900.00}. When they were told I already paid my taxes they still continued to collect them on top of insurance when it was not needed again sending a duplicate payment to XXXX County for {$600.00}. I have asked to have this money returned to my account and have not gotten any response. My next month still has not been updated to be even at least the {$780.00}. They continue to double collect for both my insurance and for taxes both have been paid. If you dont pay you get a 60 day late notice on your credit report barring you from ever escaping this company. I am truly disgusted that this has continued to happen. This company has done this to me and others with not only their poor customer service, lack of any employee accountability, and incompetence in handling any matter. This is my last step. I am submitting this complaint to the Consumer Finance Board, XXXX XXXX XXXX, the Finance Commission, and the Attorney General again. While I wait for again nothing to happen I will be submitting this to our State Senate then if I have to the Media. As of today XX/XX/2020 there are hundreds of others that are in the same situation with their mortgage being mishandled by this company. Please address the first my attached pieces for proof, I also encourage you to look at the reviews submitted by others many that are current to today.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.