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

Equifax; XXXX and XXXX are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Product: Student loan

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX loans Dates, amounts, and actions that were taken by you or the company are attached in the link below I would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 


Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.
Product: Credit reporting or other personal consumer reports

I have put in disputes about a car that is being reported on my credit report that does not belong to me. It was stolen in XX/XX/year> and then sold by the XXXX XXXX XXXX or City before I could pick it up. XXXX XXXX has acknowledged this and XXXX sent me an email asking me to confirm if a car that is similar to the one on my credit report, being reported on another report, belongs to me. The amount is also now considered income as it has been reported to the XXXX  via XXXX as a loss and must be reported as income. Income can not be reported on a credit report.
Product: Prepaid card

I am living in the XXXX and I request to send me a new atm card because the one I have is having some issue but I told them if then can do the expedite for shipping because the last time took almost 2 months to received the card and I really need to get an access to my money.and now I am having the same issue, I have some emergency and I call them that I need to get access to my account and they can't help me because I need to wait for my new card to arrived which is I don't know the exact date and the hospital won't admit me because I need to pay first before I can get admitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to pull my credit report, and it no shows that it can not be calculated. just last week I had a credit score. The company is playing games that are causing mental and emotional stress. I was also notified by the XXXX that they was unable to pull my report, but just last week I had a credit score. It is labeled Exhibit 6 in my court documents. I demand that the company furnish the supporting documents and probable evidence that I have a obligation to the accounts that I disputed. This whole situation is bad and this company is willfully negligent in rectifying my affairs and defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. Transunion and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card or prepaid card

Have a bank account and credit card with Wells Fargo. Added an authorized buyer XXXX AB ) to the card account and attempted to provide the AB info, as in Date of Birth, Social Security and Address, Wells Fargo rep refused.

The card was mailed to me, I gave it to the AB and monitored my online access to pay for his use. AB works for me and I pay the bills, aside that, WF refused to take hi info.

Never saw the charges. Log in and check, nothing, then I receive a past due notice with interest piling on.

Log on to account, nothing.

Called Wells Fargo, they refuse to speak with me about the card bill, need to speak with AB. Explained, how does he identify / verify himself since WF refused his info and why can I not see the charges on MY account. Rep stated to ask AB for info.

WF does not have nor did want his address. Still Tried to transfer me to online, they told her no. Need him.

Makes no sense. I own the account, he is an AB and I need to pay it. 

With a PERECT credit score, this is frustrating. Makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me   XXXX   out and my hippa has become worse because of the  XXXX , I need these removed .Thanks
Product: Debt collection

I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. 

In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter B is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. 

I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
Product: Debt collection

I XXXX XXXX attempted to call Pro collect on XX/XX/XXXX to make a settlement for deletion with Procollect. A week prior to this i called and spoke with a lady who informed me the offer was valid and i was able to make a settlement, this time when i called they informed me that i was sent an offer to settle for deletion but missed the deadline. The balance was due in full. I informed them i would not be making full payment, but instead insisted the offer i was sent and spoke about. They would not honor the offer and the verification of their employee. They informed me i was being recorded so i know for a fact they have record of that conversation. I would like to settle for a deletion from credit repotting agencies. They call my place of employment and during after hours which is also a violation of the laws set forth. Upon ending the phone call the lady informed me i would be marked as a refusal to pay, Im not refusing to pay, I just want the offer that was extended to me. Not a bait and switch
Product: Credit reporting or other personal consumer reports

Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Lexis Nexis l.

Lexis Nexis has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter.

The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of records.

time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by LEXIS NEXIS and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by LEXIS NEXIS
Product: Checking or savings account

I am writing to vehemently protest and shine light to the outrageous and unjustified closure of my PNC Bank checking account. My two-year history as a customer has been spotless, with no incidents that would warrant such drastic action, not to mention the depositing of over XXXX in DIRECT DEPOSITS. 

On XX/XX/XXXX, I was blindsided by the discovery that my debit card was terminated without warning or explanation. I called PNC customer service line who assured me the card was closed but that my checking account was fine. She suggested I go into the branch tomorrow and get a new one. She looked at and spent 30 minutes on the phone with me and said nothing with notes etc for a closed account appeared. 

The next day I TOOK off of work and learned PNC Bank from the rude manager, was closing my account and the decision was made at XXXX XXXX. XXXX. They closed the debit card before making a decision on the checking account? 

I pressed both the manager and the rude bank rep but was met with the typical PNC Bank 's flippant dismissal of my inquiries, citing vague " internal policy '', this is an insult and demonstrates a complete disregard for customer loyalty alongside the tens of thousands of dollars I HAVE deposited from an honest job as an engineer, Additionally THE CFPB should shut down banks that commit acts as such. 

Now from the mundane to the profound : This arbitrary closure has severely disrupted my financial life : My automatic rent payment will be rejected, incurring a substantial late fee and putting my housing situation in jeopardy. 
Several critical bills, like my electric and car insurance, were unable to process, resulting in additional late charges. 
Due to the urgency caused by this closure, I was forced to look at other banks, sadly with my schedule as a busy engineer has it, I have not yet had time and as a result suffering immeasurable damage. 
These are not mere annoyances PNC Bank 's actions have jeopardized my financial security and reputation. The irreparable harm inflicted by this decision requires immediate compensation and rectification. 

I will not tolerate this gross mistreatment. I refuse to settle for PNC Bank 's dismissive excuses. I REQUEST THE CFPB ORDER PNC : The immediate reinstatement of my checking account to its previous standing. 
Full reimbursement for any fees or damages incurred as a direct result of this closure. 
A formal explanation detailing the precise reasons behind this account termination. 
Should PNC Bank fail to comply with these demands, I am fully prepared to escalate this matter. I will pursue every possible avenue for recourse, including contacting regulatory bodies and legal counsel. 

PNC Bank has betrayed my trust as a customer ; they will now face the unwavering consequences of their actions. 

if they refuse with any of the above I WANT HIS PUBLISHED AND I WILL GO OUT OF MY WAY INCLUDING WITH FRIENDS WHO HAVE PNC AT WORK ACCOUNTS AND ARE IN ROLES THAT ENABLE THEM TO MAKE BUSINESS DECISIONS SUCH AS THE ABOVE AND WILL NOT REST UNTIL THEY ARE SHAMED!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX  XXXX Balance : {$53.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX BV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from XXXX CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA XXXX a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information
Product: Credit reporting or other personal consumer reports

these hard inquiries and account dont belong to me, hasnt being authorized by me and has to be removed. Also this is well. Thanks. Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with capital one and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with capital one and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following XXXX accounts ( dept of XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to XXXX  and equifax but they have not been of any help.please as a consumer i need you r help to have these XXXX inaccuracies removed from my both XXXX and equifax credit file thank you
Product: Credit reporting or other personal consumer reports

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. '' No financial Institutions, or Consumer reporting agency, XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to 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 unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, has never informed me of my right to exercise my nondisclosure option. XXXX XXXX has 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, credit repair services, 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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

Today I reviewed my credit report. And discovered a fraudulent account from midland credit management In the amount of {$620.00}. The account is in connection to a previous XXXX XXXX XXXX credit card account that was removed from my credit report in XX/XX/2023 due to it being a fraudulent account. Midland credit management has reported this debt back on to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've run into a brick wall with XXXX, XXXX, and TransUnion. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, XXXX, and TransUnion hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, XXXX, and TransUnion not playing by the rules and hope you can help set things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 any purpose.