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

I have my mortgage serviced by LoanCare. My automatic payment for the month of XX/XX/XXXX, did not come out as it does every month. On three separate recorded calls with Loan Care, they have verbally admitted that the ACH payment did not come out due to " their internal error. '' The funds were fully available and my payment has never had an issue. I am someone who protects their credit score for more reasons than financial. My job requires good credit, due to the nature of my job and what it entails. This has really been very disruptive to my life, and it could potentially jeopardize my position and job, due to Loan Cares blatant, unfair, unlawful practices toward their customers. They said they would post the payment as current, however, could not do anything about the 1x30 derogatory reporting to my credit profile. I spoke to XXXX, ID XXXX, on XX/XX/XXXX. He was in the " escalation department '' and stated that it could be removed, after I explained what happen, and then back tracked and said, " well it has to go through our credit bureau department to see if it was an error on our end '' I advised him that on 2 recorded calls with LoanCare, Informative Research, and the processor from the company doing his current refinance, the agents advised Informative Research that they would show the payment as current due to the internal error, however, they can do nothing about the 1x30 derogatory. I am beyond shocked that LoanCare could conduct themselves in this manner, that is unfair, unlawful, to the 3rd degree. Reviews on several sites, including social media, have prompted me to write this to Business Oversight, to bring awareness and put them in regulatory radar from all the regulatory watch dogs. How can a business keep operating in a very suspicious unlawful manner. I am in the process of refinancing to better my home for my children and I, I am a single father. I want to improve the life of my children, protect my job, and move on, however this one 1x30 late is a wrench in the fair pursuit of a better life. Loan Cares has purposely avoided this issue.. I demand they remove this 1x30 derogatory mark. My record shows I have not missed any payments and I am not going to sit on my laurels for their mistake. Please help me to get resolution for their mistake!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate information reported by XXXX on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account XXXX. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account XXXX. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account XXXX. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information. 
XXXX XXXX : I am requesting the CFPB to : Require XXXX to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.
Product: Checking or savings account

This is my XXXX  attempt to rectify the problem. 

I opened an account with Citizens and met all the promotional terms for a {$400.00} promotional bonus. They admit that in writing to me. However, they are saying that I was a signor on a different Citizens account opened on XX/XX/2022 which negates my ability to obtain the promotional bonus. I never opened the account they are referencing on the attached letter with Citizens. I would ask that they provide documentation showing I opened the referenced account with Citizens or pay me the {$400.00}.
Product: Credit card or prepaid card

I have received credit card application mailers once a week for the past 5 weeks from Capital One. Each mailer says I have been prequalified for the offer. I decided after the third mailer that I should apply since they continue to send them to me. I applied on-line which was the only option on XX/XX/XXXX because I am a current Capital One customer and assumed they would not mail me something I would not get accepted for. Capital One rejected my application which hurts me financially since they did a hard credit pull. I followed up immediately and asked why they rejected my application - I have three open lines of credit on my credit report to include an auto loan with Capital One and two student loans, each of which I have been paying on for 12+ months and have an excellent payment history. Capital One has access to my credit through the auto loan. I have a full time software development job and my earnings for 2020 are high. The rejection letter says I have too high of balance on a revolving line of credit but I have no revolving lines of credit - The letter even states that 'Lack of recent bank/national revolving information '. Customer service on this issue has been poor. I received yet another mailer today for the same offer today saying I am pre-qualified. I think the offer letter sent to me is misleading especially since I am a Capital One customer and they have information on me, and the rejection letter I received appears to be not correct on why I was rejected. This process hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and Equifax are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} Equifax reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.
Product: Money transfer, virtual currency, or money service

Money was Zelle to me by app but I was unable to transfer money to my XXXX XXXX Zelle. Iost the money.
Product: Debt collection

First Source Advantage contacted me and told me that I could not stop their phone calls. They demanded large amounts of money upfront. They lied to me about being able to negotiate the debt, as they then mailed me settlement offers.

They never mailed me any information that would verify owing them money, nor did they verify my payments, but they have taken money.
Product: Credit reporting

i disputed the tax lien with trans union a few times, and they came back verified, when i called to request a method of the verification, and i told the rep that this is not a good verification, so he called the county court clerk to verify the information, and the county court told trans union that they do n't furnish or verify any information and that means the investigation of the dispute is over and the results is unverified, therefore the information on my report is unverified information and needs to be removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX social security # XXXX XXXX XXXX XX/XX/XXXX social security # XXXX
Product: Mortgage

On XX/XX/2020 I deposited a cashiers check for {$240000.00} to Bank of America as a Principle Only payment to my HELOC. The money was never applied to my outstanding credit line and the bank still to date has not fixed the problem. I have spoke to 3 Banking Center Managers, 4 associates at the customer service number, one Assistant Banking Center Manager, and even the Market President. 16 days the bank has held my money and not resolved the issue. This is completely unacceptable and against the law. No accountability among associates and it appears that there is lack of controls in place with the Bank.
Product: Bank account or service

Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Bank of America account # XXXX
Product: Credit card or prepaid card

I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I am disputing a debt that a third-party collection agency is attempting to collect. The debt amount is inaccurate, and the collection agency has not provided the necessary documentation to verify the debt, such as the original creditor information or an account number. 

Details : The collection agency has not contacted me regarding a debt I do not recognize. Instead information has popped up on my credit report. 

The amount they claim I owe is incorrect, and they have failed to provide detailed information to substantiate their claim. 

The agency 's failure to validate the debt has caused stress and has impacted my financial well-being, as they are threatening to report or have already reported the debt to credit bureaus.
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 XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 is inaccurate.
Product: Debt collection

I have sent a validation of debt letter and cease and desist to National Credit Systems XXXX times. They scam consumers by changing their address which is different on each credit report multiple times. XXXX XXXX ( attached ) has XXXX address, XXXX and XXXX have another address ( attached ), their website shows a third address ( attached ) and on another listing of theirs it shows a XXXX address. I've sent letters to all XXXX and they refuse service or they come back to me. I also emailed them the letter AGAIN ( evidence attached ) and still nothing. This apartment was a corporate apartment and my previous company stated in writing from their attorney on my separation agreement that they would take over the apartment and costs. I have no actual paperwork from the apartment complex or National Credit Systems showing a debt or how to dispute or anything. I will not pay this until I get that. Until then I have rights under fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 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 is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX, XXXX and transunion sent certified mail from them to remove unauthorized inquiries
Product: Debt collection

This complaint is for JPMorgan Chase Bank and their collections services XXXX XXXX XXXX XXXX. The account I had with JPMorgan was for a credit card that needed to be paid. The account was then passed to XXXX XXXX XXXX for collection. I called XXXX XXXX XXXX on XX/XX/XXXX and identified the debt with JPMorgan Chase Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX bank account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that XXXX accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to JPMorgan Chase Bank, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and XXXX XXXX XXXX are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by XXXX, and what was discussed verbally on the phone. Supporting documents are in the attachments.
Product: Credit card

lowered limit with out notification. keeps charging late fee, even thou i am paying on time.
Product: Debt collection

was XXXX years of age at the time I was forced into a ambulance due to a injury, my parents were not contacted I was under the supervision of another adult and the police/emt forced me to get into the ambulance and be transported to the hospital, this is dated back to XX/XX/2009 and should not be on my record as that is against the law, I should not have a debt as a minor either and I want this taken off my credit it has negatively impacted my score and affected my adulthood, I want them to stop calling stop trying to contact me I will be speaking with a laywer if this situation isnt resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC XXXX.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of ELAN CACS CC ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting a Bankruptcy Chapter XXXX from XX/XX/XXXX on my credit reports, however, XXXX immediately removed it upon my request, yet XXXX and XXXX continue to report it claiming it obtained the public record from LexisNexis. I sent my first letter to LexisNexis on XX/XX/XXXX via certified letter ( letter and certified receipt are attached ) and they did not respond within 30 days, therefore, violating the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I then sent my second letter on XX/XX/XXXX via certified mail ( letter and certified receipt are attached ). I also asked for a copy of my credit report on XX/XX/XXXX and have yet to receive it, therefore, I called LexisNexis yesterday to enquire and they basically had no answer, so I decided to ask about the letter regarding the 'Bankruptcy Dispute ', I spoke to XXXX and he said he had good news, that there were some items removed, however, not the Bankruptcy. I've never seen the credit report LexisNexis maintains under my Social Security Number, so I'm not sure what good news he had for me and he did not disclose that to me. Nonetheless, LexisNexis failed to respond to me violating the FCRA section 611 ( a ) ( 1 ) ( A ), therefore, they must remove the Bankruptcy and issue me a letter confirming as much. Lastly, Federal Law Rule 9037 prohibits their validation methods.
Product: Checking or savings account

The bank began returning checks on the account after 2 separate deposits were made one on XX/XX/2019 and XXXX XX/XX/2019. The account has been open for 36 mos with no previous derogatory activity. The bank rep explained that there was a hold on both deposits and all future deposits would have a hold placed on them. The advised that they would charge an overdraft fee for all checks an transactions presented for payment. They advised that they would place a hold on cash deposits as well. The also advised that there would be no notice sent