23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX has violated my rights.

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 and 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. 

Additional Inaccurate Information : Equifax has failed to remove inaccurate name fraud : Equifax consumer report has a section of the consumer report that lists secondary names which reports ( Also Known as " XXXX XXXX XXXX '' ). I have notified Equifax, still no change after I sent in an FTC report and Fraud Affidavit with driver 's license and social security card attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX states they never purchased my vehicle contract and has been reporting on my credit report.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I WAS CHECKING ALL OF MY CREDIT REPORTS WHICH I DO EVERYDAY TO MAKE SURE ALL MY BALANCES ARE PAID IN FULL SO THAT MY CREDIT SCORE INCREASES AND I ALWAYS CONTACT ALL 3. HOWEVER I HARDLY CALL XXXX AND XXXX BECAUSE THEY BOTH UPDATE MY CREDIT REPORTS ON TIME. BOTH COMPANIES STATED THEY HERE SO MANY COMPLAINTS ABOUT EXPERIAN BECAUSE IT IS SO HARD TO CONTACT THEM AFTER TRYING TO CALL THEM SO MANY TIMES AND THE AUTO MATED VOICE ALWAYS DICSCONTINUES YOUR CALLS.THE LAST PAYMENT I MADE WAS FOR XXXX XXXX FOR $ XXXX WHICH INCREASED XXXX XXXX  SCORE ON XXXX AND XXXX CALLED BOTH OF THEM AND I STATED WHAT EXPERIAN DID AND THEY STATED EXPERIAN WAS INCORRECT TO DECREASE TOUR XXXX SCORE BECAUSE THAT IS XXXX YOU HAVE GOOD CREDIT BY PAYING OFF YOUR BALANCE ON TIME. I THEN LOOKED AY MY EXPERIAN CREDIT REPORT AND I PAID {$33.00} BUT INSTEAD OF INCEASING MY CREDIT SCORE IT DECEASED BY XXXX POINTS AND THERE WAS NOTHING STATED WHY, ALL OTHER TIMES I ALWAYS SEE SOMETHING ON MY ALERTS STATING ANY SITUATIONS BUT NOT THIS TIME WHICH XXXX IS OBLICATED TO REPORT ANY AND ALL UPDATES. I THEN CALLED EXPERIAN AND I XXXX XXXX ( XXXX ) XXXX,. HE IS THE MANAGER OF CASES TO MAKE SURE COMPANIES ARE REPORTING TO UPDATE CONSUMERS CREDIT REPORT. HE ALWAYS HELP ME BUT WILL STATED TO TALK TO SOMEONE IN MEMBERSHIP BECAUSE THEY ARE THE DEPARTMENT WHO CONTROLS UPDATES. WILL LOOKED AT MY CREDIT REPORT AND STATED STATED THERE IS NO REASON THAT WHY IT DECREASED FROM XXXX TO XXXX AND I SHOULD HAVE REORTED AN ALERT SATING WHY THIS WAS INCORECTLY AND NOT SHOULD LOOSE XXXX. AFTER YOU PAID XXXX XXXX. WILL TRANFERED ME TO MEMBERSHIP. *** XXXX XXXX MEMBERSHIP MGR -- ADVISE HIM IT TOOK OVER XXXX MIUTES TO GET THE RIGHT PERSON. STATED TO HIM THERE WAS NO STATEMENT WHY MY XXXX SCORE DECREASED XXXX AND WHY THERE WAS NO ALERTSTAING WHY MY XXXX SCORE. HE STATED BECAUSE I PAID MY BALANCE OF XXXX MY CREDIT CARD BALANCE WHICH IS FALSE BECAUSE I HAD PAID XXXX. HE THEN STATED AND GAVE ME THE MOST NEGATIVE AND INCORRECT REASON WHY MEMBERSHIP LOWERED MY XXXX SCORE AND STATED I SHOULD NOT PAY OFF MY BALANCES. I THEN ADVISED HIM WHY UNTIL THIS GROSS DELIBERATE FALSE UPDATE.THAT I ALWAYS PAID ALL OF MY BALANCES ON ALL OF MY XXXX CREDIT BUREAUS MY XXXX SCORE INCREASE WHEN I PAID OFF XXXX XXXX FOR $ XXXX WHY YOU ARE GIVING FALSE INFORMATION AGAINST ME AS A CONUMER? I THEN STATED TO XXXX I WILL BE FILING A COMPLAINT WITH THE CFPB AND TERMINATED THE CALL. 

*** THIS WAS THE LAST ALERT I RECEIVED.. EXEPRIAN FAILED TO REPORT THE ALERT STATING WHY MY XXXX SCORE FROM XXXX TO XXXX. 
XX/XX/year> Your Dispute Results are ready. 
Check out your latest credit card offer, matched just for you. 
See offer detailsJul XXXXXXXX XXXX Your Account Dispute has been updated. 

XXXX XXXX Balance {$0.00} Balance updatedJul XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Balance updated XX/XX/year> XXXX Balance {$0.00} Balance updated XX/XX/year> XXXX closed accounts Self-reported accounts Total balance : {$240.00} XXXX Balance {$0.00} Balance updated XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company Is reporting pass due payments when I have always made onetime payments as agreed. 
Latest report is that account is 60 plus days pass due when payment was just processed this pass month along with the last.

When I call no one can explain why there is negative reporting, the account is reporting open ( when I requested in writing that it was closed and that no payment has been received.

This is false reporting.

Please delete this information from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX  XXXX XXXX And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Product: Checking or savings account

To whom it may concern : I am not sure if you are the correct department to reach ; however, if you are, I would greatly appreciate your assistance. 

On XX/XX/year>, I went to Bank of America banking center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to withdrawal {$1400.00} in various increments and dollar amounts including a {$1.00} bills strap worth of {$100.00}. The teller counted the loose money in the machine but did not count the strap. I didn't think anything of it because I was under the impression there should be {$100.00} in that strap. So I went home and counted it next day to find out there was {$12.00} missing from that strap which essentially I was actually given {$1300.00}. So I went back XX/XX/year>, to request the {$12.00} that was missing. The Bank Manager and the Teller who assisted me advised he balanced and that there was nothing that could be done but he could put in a claim and thats it. I get the teller balanced, but he still did not count the strap to ensure the money I requested of {$1400.00} was all there. Fast forward, I was unable to dispute this until a month later as I was leaving the country for the whole month. So on XX/XX/year>, and XX/XX/XXXX, and now XX/XX/year>, I have contacted Bank of America Customer Service and was advised the first XXXX times claims would be put in, and then today when speaking with the BOA rep, he said claims were never filed he just saw error codes/notes put in. At the end, he said nothing could be done and that I would have to go back to the bank center to dispute it. I have already did that and there was no resolution. It almost feels like they could do anything they want. Regardless if I am disputing {$12.00} or thousands of dollars, I feel my situation is just as important. Have I been a person that had millions of dollars and this situation happened to me and I told them I would close my account, they would make it right instantly. Let that perspective sink in. I could be any person right now to just give up and let Bank of America keep the money that is not theirs and I am sure they have kept others, but I feel this is unjust and not right ; therefore, I am requesting further assistance in this matter. Should you have any questions or need additional information, please reach out via email at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

What happened is my mom passed away about two years ago I inherited the house and I tried to call Umpqua Bank is the mortgage company and the man explain to me the house was in foreclosure, but I still had time to get the house squared away and put in my name the man sent me some papers to sign at the bank and it was supposed to be transferred into my name and I would continue with the payments instead, the house was auctioned the sheriffs auction without any notification to me so insured a guy had lied to me and I am unsure what to do now, so I figured I file a complaint the house was sold on XXXX for XXXX which I couldve at least short sell the house. The property was worth XXXX I feel like a bank didnt give me a proper notification. Give me time to figure out how to save the property. This is where Im filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX US DEPT ED XXXX* Balance Owed : XXXX USDOEXXXX XXXX  US DEPT ED XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : XXXX} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled
Product: Credit reporting or other personal consumer reports

CONSUMER ADJUSTMENT CO XXXX XXXX, MO XXXX Date open : XX/XX/year> Original amount : {$1400.00} Balance : {$2000.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Student loan

We have FFELP Spousal Joint Consolidation loans. Since the Joint Consolidation Loan Separation Act was passed last XXXX we have been waiting for the DOE to implement a process for us to separate these loans and consolidate them into Direct Loans so that we may qualify for IDR and PSLF. My servicer, Navient, has been allowing us to put the loans into an administrative forbearance in 2 month increments since then. Recently the DOE came out with updated information saying that they won't have a process in place until late 2024 but that borrowers can have their loans put into forbearance until this process is implemented. I just called Navient because my most recent forbearance was expiring and was told that now that they know there won't be a process until late 2024 that there are no longer any options available to us to stop the payments on these. This is outrageous! We should not have to pay another dime on loans that will be forgiven once the DOE does their job and implements a process for us to separate and qualify for IDR and PSLF.
Product: Mortgage

This is the SECOND CFPB complaint against Loancare for same issue ( previous complaint XXXX ). Loancare is again reporting my mortgage account as late payment 120+ days which has caused my credit score to tank. This caused me extra money, denial of credit and unnecessary stress.

Loancare corrected reporting on XX/XX/XXXX to turn right back around today XX/XX/XXXX and report inaccurate information. 

This information is not correct. Per previous CFPB complaint and Loancares response - ACCOUNT WAS NEVER LATE.
Product: Checking or savings account

BBVA bought out my bank SIMPLE BANK, and transitioned my online services on Saturday XX/XX/2021, ( XX/XX/2021 ) this required me to set up a new sign in ID and Password, after attempting to do so, I was locked out of my account. after trying to connect with their costumer service as advised XXXX XXXX XXXX XXXX XXXX I was repeatedly hung up on, and have received no further assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the accuracy of debt on my credit report and the following items were deleted off of my reports except Experian. I reached out to Experian for an explanation but they said " All the accounts are 100 % verified. '' Because of this I decided to reach out to the following creditors to validate the 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  I sent debt validation letters to the individual creditors to verify my debt since Experian said everything was verified and only received one response. 

That response came from XXXX XXXX XXXX XXXX XXXX XXXX. The creditors response said the debt wasnt able to be verified and will be deleted shortly. Which contradicts the previous information I received from Experian. 

It has been 30 days since I sent the debt validation letters and based on the provisions of the Fair Credit Reporting Act, I demand that these 5 items be removed from my Experian report based on not receiving a response within 30 days and the creditor not verifying debt 15 U.S.C. Sec. 1681i ( a )
Product: Credit card or prepaid card

I have received this letter in reference to a credit card that has been closed by the company Barclays - closed by them in XXXX XXXX the account was paid in full, on time, with no disputes. closed by them for inactivity - which is accurate being i did not use the card once i had paid it off. 

i have called them twice, which both times they have insisted that the account is closed and that no further action is necessary on my part and they i will not recieve any further information. clearly they are still requesting information, and i believe they are preying on innocent consumers the letter insists that i send them sensitive and personal documentation that i believe to be both invasive and illegal especially considering none of this information was necessary for the opening of the original account nor was it ever requested while the account was opened. 

i believe it to be illegal for a credit card company to request the information they are requesting for anyone whether that be an active account or inactive and thus they should be stopped as sensitive information could easily be lost in the mail or could be compromised in any fashion leading to identity theft. additionally when i called the company ( twice ) they insisted that this was their policy for all accounts despite the clear security flaws and potential issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXXXXXX XXXX )
Product: Mortgage

On XX/XX/XXXX I had my attorney I hired write letters to Citibank to make them aware that they are completely violating the FDRA. XXXX immediately complied. The date of last activity is XX/XX/XXXX and report ( XXXX ) 90 day lates after that. They also falsely accused me of paying {$40000.00} a few years ago which is completely false as the last installment on my account was XX/XX/XXXX. This is completely hindering my ability to refinance my property. SEE ATTACHED DOCS
Product: Credit reporting or other personal consumer reports

I have an account that's on my credit report that is due to identity theft ( XXXX XXXX # XXXX ) Both Experian and XXXX both have refused to remove it. Also I have a Bankruptcy being reported on my reports that is incorrect both credit reporting companies have claimed they verified the bankruptcy ( XXXX ) which is false. First I was told that they verified it with XXXX XXXX which is not false. I obtained a copy of my XXXX XXXX report and it is not on there. Then I was told the court had verified it but then I have correspondence from the courts stating they do not verify. Also XXXX has been reporting an incomplete docket XXXX. ( enclosed ) which is a violation of FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXXXXXX XXXX
Product: Debt collection

This is my XXXX complaint that I am filing against EQUIFAX. There were XXXX [ XXXX ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.
Product: Bank account or service

After 24 years with USAA Federal Savings Bank ( I know it 's 24 years because they end every call with 'thank you for your valued membership for 24 years XXXX ' ), they closed our bank accounts, and have refused to give any reason. They also are holding all our funds for 30-days. I 've tried talking to as high up in management as possible, but continue to get the same answer, " that it was a legal decision within their rights from the review board and the review board does n't take calls or have to answer why. '' Luckily for us, we had another bank account, otherwise we 'd have no money right now. So warning to others, make sure you have at least accounts and money with at least XXXX different banks.