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

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you as a XXXX XXXX XXXX XXXX - XXXX ) and the CRAs. 

XXXX  - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. 

https : //www.ecfr.gov/cgi-bin/text-idx? XXXX & XXXX & XXXX & XXXX For the CRA 's - Its simply FCRA. 

XXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX  - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. 

I will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. 

Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. 

XXXX in theory verifies the true expected results XXXX is saying is acceptable. 

See attached, for specific complaint details. 

This complaint is based on FCRA and FDCPA. 

Metro2 guidelines are the standard. 

DOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I heard from XXXX at " Credit Management Control '' this morning about a " XXXX XXXX '' account. She stated that there was NOTHING she could do to assist the problem ; she ca n't even provide a contract with my signature on it. 
I proceeded to call " XXXX XXXX '' directly and spoke with a Customer Service Rep. named XXXX. She stated that she also could not help me because there is no signature on a contract. She stated that someone called in and set up service over the phone. I reminded her that she had just informed me that ALL calls are recorded. I demanded a copy of the recorded phone call were someone called in and said they were me. She said she could not provide this. How is it " XXXX '' wants me to prove that I did n't make the call but " XXXX '' WO N'T prove that I did? I am filing a police report for identity theft TODAY, Monday, XXXX XXXX, 2016. XXXX said she would follow up with a call to me on Wednesday, XXXX XXXX, 2016. If I do not hear from her by XXXX, I am turning this whole matter over to an attorney and filing for damages and time lost from work. This has gone on for far too long and it is a complete violation of my rights.
Product: Vehicle loan or lease

This started back in XX/XX/2020 that I begin trying to settle with this company, then the pandemic happen. My car that I recently purchased from XXXX went down before a year had even hit. I called XXXX to notify them of the issue which I felt had been to soon for me to experience. They stated it would be {$18000.00} to repair, XXXX stated it would be nearly {$18000.00} to repair then the certified repair shop Said it would be {$13000.00} as of XXXX. This company received all documents that requested. They called in XXXX or XXXX as the car was still down. I told them I still Wanted to settle and still was using a rental. My offer was {$2800.00}. Come today as of XXXX they indicated they accepted YET they saw the mail was returned that they sent to me with the agreement approval. The young lady stated I would receive an email as I opted to receive I didnt. After literally getting the car on the road On XXXX the car is repo on XXXX after I have just spent {$13000.00} fixing the car. All my savings. Then they dont want to Reinstate the offer of {$2800.00} ad I exhausted all my savings. The document below shows my last rental that finished out over {$1000.00}. The mechanic bill finished out over {$13000.00}
Product: Checking or savings account

I have a checking account with Bank of America. When the banking statement of XXXX 2019 is not available in my account online, I submitted a request of a PDF file of this banking statement online. The PDF file should be free of charge as it is described online. But they charged me {$5.00} for this statement. When I submitted the request online, there is no charge notification and payment request. This made me think it is free. As I logged in my account a few days later, I saw the {$5.00} charge, and no PDF file in my account. When I called the customer service, I was told as long as I submitted a request, I would be charged {$5.00}. This is very unfair to not notify the charge before I decide to proceed my request. This is a very misleading trick to violate consumers ' interests and rights.
Product: Checking or savings account

BBVA USA XXXX PNC Checking account migrated from Simple. I was charged NSF fees, despite having been told the only fees that would apply to the account after migration would be paper statement fees, which I avoided by moving to paperless. I was charged these fees beginning XX/XX/XXXX. If notice was provided about these fees, it was deliberately obtuse, and I have no recollection of such notice. They have since been charging fees- even after I blocked my debit card and demanded that they close the account. I demanded account closure on XX/XX/XXXX by phone, and have been charged five NSF fees since, totaling {$160.00}. They received a letter via certified mail on XX/XX/XXXX demanding that they close all of my accounts, and I have received no response, and my accounts remain open. I have used their support message system at least twice to demand refund of these fees and the closure of my account. The only response I have received is a standard demand for funding the account before closure, in addition to threatening more fees. I need this account closed immediately, and they seem intent on ignoring my demands and charging me as many fees as they can get away with.
Product: Debt collection

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 

An account was opened in my name under La Curacao on XX/XX/XXXX in the amount of {$1000.00}. 

I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Product: Debt collection

According to a CFPB boleting, effective XX/XX/year>, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. I have made a payment, and it's still showing an incorrect balance ; still showing on my credit.
Product: Money transfer, virtual currency, or money service

I made a wire transfer in the amount of {$400.00} + {$40.00} fee through Chase  Bank to my sister on XX/XX/XXXX. The transfer did not go through because of error in the account number. 
After numerous efforts on my part to get Chase Bank to return my money, I was forced to file a complaint against Chase  Bank with the CFPB ( Case # XXXX ) filed on XX/XX/XXXX. In response to that complaint, Chase reimbursed the {$40.00} fee and sent me a letter promising to retrieve my money from the recipient bank within 3-5 business days of the letter. They assigned a case/reference number to my wire retrieval case ( Case/Ref # XXXX ). 
It is now over 3 weeks since Chase informed me that they had initiated contact with the other bank. I have not heard from Chase Bank since then. I have sent emails ( on XX/XX/XXXX and on XX/XX/XXXX ) to Chase Bank via the secured online messaging system, requesting an update on the status of my requested {$400.00} refund from the botched wire transfer. I have also attempted calling the wire department at Chase bank and got no response. Just as before when I filed my initial complaint, no one from Chase has bothered to respond to me and my money has not been refunded so far. 
I am tired of chasing after Chase Bank to do the right thing and return money that was not received by my relatives back to my account. It is unfair for a large corporation such as Chase Bank to treat hard working customers this way. I have been ignored for months and I have been forced to send additional money in other for my deceased brother to be properly buried while Chase Bank continues to play with me. 
I am requesting the Consumer Financial Protection Bureau to intervene in this matter because I feel like I am being played with. As a single mother of minor children, it is ethically wrong for Chase Bank to put my family 's survival in jeopardy in this already rough economy. 
I am not asking for anything other than the return of money that I paid that was never received by my relatives for my brother 's burial. 
I am prepared to go to the press with this matter if the CFPB turns a blind eye to my request and continues to allow Chase Bank to oppress my family.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX
Product: Debt collection

Company has called me 6 times in 24 hours. Company refuses to verify the debt as per law, and can not verify whether anything will be reported to credit bureaus if paid off. XXXX reviews show countless fraudulent charges and going back on agreements. Requested to be removed from any and all calling lists as debt could not be verified and multiple phone calls is absolute harassment. Today alone it has been from 3 different phone numbers. Company is Halsted Financial from Illinois. My number is also on the national do not call registry of which I reminded them.
Product: Debt collection

Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Spring Oaks Capital. This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent.

2. A breakdown explaining the calculation of the said amount. 
XXXX. Copies of any documents that demonstrate my agreement to pay the alleged amount.

4. Identification of the original creditor.

5. Confirmation that the account is still within the statute of limitations ( SOL ) period.

6. Proof of your status as a licensed debt collector.

7. Evidence of your license numbers and registered agent.

8. The original contract bearing a wet ink signature.

However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action.

I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2022 there was a unauthorized inquiry for said company.
Product: Credit card or prepaid card

I opened a CareCredit card with XXXX ( XXXX XXXX XXXX  ) to pay for dental services that I desperately needed. I signed up for the card at a dental office where it was explained to me that no interest will be charged for a year. As I was at the office I did not have time to read all the fine print, and apparently what was not explained or disclosed to me is that if card is not paid off by a certain date, the interest will be charged on the ENTIRE amount, not on what was left after all the payments. I have paid more than 50 % of the amount ( about XXXX ) and suddenly a year after I opened the card, I see interest charge of almost {$1000.00}. I tried to resolve this situation with the bank, and offered to immediately pay off the balance but not this interest charge, but the bank refused and said they will still charge me this insane interest. I feel like I got scammed and taken advantage of. Nobody at the dental office explained this little nuance. This is a way for the bank to take advantage of people in need and should be illegal. The bank did not provide any documentation that I requested of the originally signed documents, so I don't think they have any proof of these terms that I allegedly agreed to. 
I am an immigrant and single mother and I feel like I've been scammed by this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my three previous complaints filed this year. All are for the same issue, which has never been addressed by Equifax.
Product: Student loan

I received a message on XX/XX/year> that my student loans were being consolidated into {$40000.00} from {$69000.00}. However, looking at my Mohela account currently, it has resumed to the initial XXXX amount. I believe that MOHELA is not acting in good faith regarding the way student loan forgiveness from the XXXX administration is being handed out.
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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX Accounts : 1. XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX XXXX  XXXX XX/XX/XXXX {$4800.00}
Product: Debt collection

I am writing to dispute the inclusion of this XXXX on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this XXXX  should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.