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

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX Synchrony Bank {$1900.00} XX/XX/XXXX By not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company
Product: Checking or savings account

This entire issue capital one was having over the course of Wednesday, STILL ONGOING through Friday is insanely ridiculous and anti consumer in the worst possible way. They are actively screwing over countless Americans and stealing away interest we wouldve accrued otherwise. Its been a full day without my paycheck direct deposit, if this were the other way around I would be punished so severely
Product: Credit reporting or other personal consumer reports

I noticed that these inquiries have been reporting on my file for a while and realized I never authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.
Product: Credit card

I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 


XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 


XXXX XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate
Product: Mortgage

I applied for a mortgage loan through Navy Federal Credit Union the earlier part of this year and was denied. I had just paid off several of my debit and my credit scores were high. I did not pursue more information on the denial I've also been a member with NFCU for well over 6 years. I've had a personal and a car loan through them which I've never missed a payment. I have no clue why I was denied I had quite a bit in savings which they saw.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade In addition, I have attached a PDF document reflecting all items that were found. 

PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP Inquiries EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is another account, XX/XX/2020, that I informed the bureaus I wasn't so sure about belonging to me. The address associated with the account, isn't my address. I then called the company, " XXXX XXXX '' in XXXX, and they stated all communications must be done with " BYL COLLECTION SERVIC '' in regards to the account in question. I sent another dispute in XXXX to the bureaus, which returned " verified as accurate ''. I need to see the contract ( that was all I asked for the second round ) of the account they're referring to, because I am in the same location as I've been in for years. My last phone call with XXXX XXXX was XX/XX/XXXX and they stood firm that " Any and all documentation in regards to the account was now in " BYL COLLECTION SERVIC '' possession.
Product: Credit reporting or other personal consumer reports

During the last few months, the account XXXX XXXX  XXXX ( XXXX ) has been reported as a charge-off on my credit history, resulting in a significant degradation of my profile. Upon preliminary analysis, I noticed certain errors within the account reporting, such as data discrepancies among the XXXX credit bureaus, including report dates, opening dates, last activity, closure dates, account number, and high balance. According to my inquiries, when an account reports inconsistently among the credit bureaus, it constitutes a violation of my consumer rights. Given this situation, I decided to dispute these errors with the bureaus themselves and the original creditor via mail, but I have not received any notice or response from them. Therefore, I am proceeding with this complaint, outlining my arguments and how I believe this account is being incorrectly reported on my credit history, applying to violations of the following 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.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Debt collection

I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. 
I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Mortgage

I'm trying to refinance my primary home mortgage. I'm a co-borrower on a loan that my brother has on a house and the loan is being reported in my credit report. In order to finish my primary home refinancing, the bank that I'm trying to refinance my primary home loan ( XXXX XXXX XXXX XXXX ) requires that the Bank Popular de Puerto Rico ( I'm a co-borrower ) send them the last bank statements. Banco Popular de Puerto Rico has refused to send the bank statements ( estado de cuentas ). 

XXXX XXXX XXXX XXXX  personnel, the XXXX XXXX verification agency and myself have been asking to the Banco Popular for loan statements since XX/XX/XXXX and up to yesterday XX/XX/XXXX, but the bank refuses. Since I'm a co-borrower and that the loan appear in my credit report agencies, I believe that by US federal law I'm supposed to obtain the loan bank statements. My primary home refinancing bank ( XXXX XXXX XXXX  ) has approved the loan with the condition that Banco Popular send the loan bank statements that is appearing in my credit report. I have written XXXX disputes with the credit report bureaus, but the banco Popular refuses to provide the bank statements. I believe that they are violating my right to refinance my primary home and they should be held accountable for it. 

I just would like the Banco Popular to send the bank statements to myself or to XXXX  XXXX XXXX XXXX  so they can proceed with the approval of my primary home refinance loan. I have tried several times and I have called the banco Popular, but I get nowhere with the case. Please help me to resolve this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}
Product: Money transfer, virtual currency, or money service

I am filling complaint against CASH APP ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection Act ( CFPA ). Specifically CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they DID NOT comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX
Product: Checking or savings account

There is a complaint attached with the details and the calculations I deposited XXXX late on XX/XX/20.2018 by mobile deposit to my BOA Core Checking. 
BofA put a 10 day hold on it. 
This check came from my account at XXXX. 
On day 7 I got the XXXX rec on a call with me and we called BOA and XXXX told BOA the money cleared on the XXXX. 
This exposed all the lies BOA had given, BOA credited the funds immeidiatey, that was the XXXX. 
I had 5 credit card payments going through, BOA had held the funds to do this. 
Both the payee and BOA got to charged 3xXXXXxXXXX fees that hit XXXX for each payment. 
This is illegal. {$500.00} in fees at BOA in just one month.. These increase to {$2400.00} until I close the account. I want these refunded. 
BOA had fiduciary responsibility to tell me about SafeBalance checking and did not, they owe me all the fees for. that reason alone. This is big I have the recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Product: Mortgage

Suspense account monies from my mortgage were misappropriated without my permission or notice for over a years. The funds are STILL misappropriated.. Recently, Loancare told me Suspense money could be transferred to " unapplied funds '' and then used to pay what the company needed. In my case, the Suspense funds were taken out of Suspense and put in escrow without my knowledge or consent.. If there is a shortfall in escrow, the company is required to notify me and provide the option of paying the shortage or having it added to monthly billing statements. I was not told there was a shortfall. The monthly statements showed a positive funding. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loan ( because that is what they were doing ) .. I tried for OVER A YEAR to straighten this out. XXXX never responded. Loan care only responded in an XXXX letter. LOANCARE and XXXX lied to me over and over on the phone. XXXX : " We are still researching what became of that payment ... you should contact your new service provided, Loancare. XXXX never reported a delinquency to Loancare or to the credit bureaus. '' Then, Loancare, after lying since XX/XX/XXXX and saying " we're still researching '' in XXXX, XXXX during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's XXXX '' ; you got ta call XXXX. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT. FALSE. NEITHER THE MORTGAGECONTRACT, XXXX NOR LOANCARE HAS EVER PRODUCED A DOCUMENT TO SUPPORT THIS. There is no " unassigned funds '' account. It doesn't exist. Every document from XXXX XXXX, XXXX and Loancare only provides for partial payments to be kept in a separate " suspense account. '' PLEASE read the attached letter. Only recently I found out about the absolute distuction of my credit. I can't co-sign my kids college loans, I can't get a personal loan -- -because these companies misappropriated money and lied about it..Why are you allowing this to happen -- to just accept at face value the lies they tell " we can send money to Suspense or Unassigned funds or use it however me need without noticing you or getting permission. '' They have violated the language of their own rules and assurances. If you add up what these companies have BILLED me over 2 1/2 years and add up what I have paid over the time, I HAVE PAID MORE THAN WHAT HAS BEEN BILLED. " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.
Product: Debt collection

I've had my student loan transferred from Wells Fargo to XXXX XXXX XXXX. It was setup on autopay at WFC and I saw the account disappear awhile ago on WFC website. I've been receiving a ridiculous amount of email and paper mail from Wells Fargo explaining that they're transferring student loans and to wait for XXXX to pick up payments. I've not received a text, email or letter from XXXX and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. Wells Fargo has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for XXXX.
Product: Student loan

I have been making payments on my student loans through Navient since XX/XX/XXXX. They informed me that since I was making payments that my taxes would not be withheld in XX/XX/XXXX. Not only is my total not going down, my taxes were withheld yet again this year, over {$2000.00}, in XX/XX/XXXX, which is what they had withheld from me last year, in XX/XX/XXXX. They are also calling my entire family trying to get money and information out of them. They are lying and not doing anything they have informed me of, taking my money and not applying my payments to get me out of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 Balance : {$760.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$4500.00}