23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Barclays Bank, indicating that my Barclaycard Financing Visa card Account is 3 months past due. My XXXX account records, showed, however, that I had been making payments of {$250.00} each in XXXX, XXXX and XXXX of XXXX. I talked to Barclays representatives approximately 5 times after XXXX. Finally, I talked to their Resolution Department ( XXXX ) who told me I should send them a voided XXXX check and my online records from XXXX showing each of the payments to Barclaycard. On XX/XX/XXXX, I sent an additional {$500.00} over the phone so that I would be able to close the account. On XX/XX/XXXX I called again and sent my documents to their e-mail ; they ( XXXX XXXX told me I would get a phone call in 2 days, which did not happen. I called again on XX/XX/XXXX ; nothing happened. I asked XXXX to send me detailed records of their 3 payments. I sent these records in XXXX to the e-mail given to me ( XXXX ). I received a letter dated XX/XX/XXXX indicating that they would respond in 45 days. On XX/XX/XXXX they ( XXXX ) opened case # XXXX. In XXXX I received a phone call asking me to pay more than {$800.00} ; when I called, their system was down, so they asked me to call them later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Trident Asset Management Acct # XXXX on XXXX by sending them a Debt Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the Trident Asset Management account. Trident Management Asset verified with XXXX  but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and XXXX XXXX were not the same. Keep in mind I still have not heard from Trident Asset Management yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and XXXX were posting. On XXXX I filed a complaint against XXXX  with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified Trident Asset Management a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX contacted Trident Asset Management once again during this Dispute and Trident Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX  posted on XXXX that Trident Asset Management Certified that the information was accurate. I still have not heard from Trident Asset management about my dispute letters at all.
Product: Student loan

XX/XX/XXXXThe following company, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, purchased my student loan debt which has been contested in its entirety since XX/XX/XXXX. XXXX XXXX XXXX , XXXX calls my residence daily in violation of certified letter sent to the them back in XX/XX/XXXX. Furthermore, the company, along with all previous collectors including the original debtor has violated, at minimum, my rights under the American Disabilities Act and US Constitutions Equal Protection Clause. XXXX XXXX, XXXX.threatens to excise fees over a disputed debt which they have been aware of since XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX there was XXXX  charges for {$90.00} on my credit card that I did not authorize at places I do not recognize. On XX/XX/XXXX, there were XXXX charges for {$98.00}, and XXXX charge for {$99.00} that I did not authorize at places that I do not recognize. Ive called the company many times only to be put on hold for 30-45 minutes. Ive spoke to one person who transferred me to someone else. They emailed me saying it appears the issue has been resolved, but the charges are still on my card, and now the card is over the spending limit and theyre telling me I need to pay down my card. I got this card a few years ago and Ive used it very few times only to help my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Product: Debt collection

I dont owe anything to that company. I think its part of the data breach that happened
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Debt collection

I sent the company a validation letter and they never responded. I asked them to send me an original contract with my wet signature. I asked for payment history I asked for chain of ownership I ask could they prove that they can collect the debt in Ohio? They did not respond so under 15 USC 1692G all communication must ceased until they do respond and Im not responding stands as truth that a debt is not owed there are XXXX accounts. The account numbers are on the letter that I uploaded.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft MIDLAND CREDIT MANAGEMENT # XXXX BALANCE OF {$6100.00} Enclosed are the following : A copy of my credit report I received from your company listed XXXX XXXX XXXX The fraudulent items are circled. copy of credit report I contacted them many times and Dispute this Fraud account
Product: Debt collection

The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.
Product: Vehicle loan or lease

On or about XXXX XX/XX/year>, I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX to purchase a previously owned XXXX XXXX. During the test drive, my family and I noticed that the Air Conditioning did not seem to work. Prior to purchasing the vehicle, we raised the AC issue and they said that they would fix it while I filled out the financing as it was likely a coolant issue. After I completed the financing through Bank of America, and put down XXXX dollars as a down payment, I was informed that I would not be able to take possession of the vehicle because they needed to work on the air conditioning issue and it would be another day before it was ready. After several weeks, the issue became a compressor issue that the dealership was unable to fix and the general manager said that we would need to void the contract. This occurred on approximately XXXX XXXX. At that time, I was told that the dealership would send a notice of cancellation to the bank, refund the payment to bank of america and that I would receive my down payment back in approximately XXXX hours. On XXXX XX/XX/year>, I still had not received my down payment and the loan was still showing active. I went back to the dealership and they said they had sent the notice of cancellation and the payment to Bank of America. On XXXX XXXX I finally received my down payment back. As of today, XXXX XXXX, the dealership has still not provided payment to Bank of America. After speaking with bank of america they have said there is nothing they can do until they receive the refund for the financing from the dealership. At this time, I have already had a payment due on the loan for a vehicle i've never been able to take possession of and for a contract which was voided almost a month ago. I am concerned that the actions of the dealership are going to affect my credit and that I will be paying interest on a loan for a vehicle I do not have and will never possess. I have tried to talk to the dealership multiple times to get this issue resolved and have spoken to bank of america on several occasions over the past XXXX weeks. I am now in a position where I am facing paying XXXX loans as my family had to purchase a different vehicle and am having to deal with adverse credit scores due to the dealerships unwillingness to pay back the loan following the cancellation of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on XXXX credit bureau he made his phone primary also created an alert / freeze under that phone number
Product: Credit card or prepaid card

This was written off as bad debt until I sent in a letter to all three major credit bureaus looking to dispute inaccurate information from my credit report on XX/XX/XXXX. I received XXXX letters, XXXX from Discover and another from XXXXXXXX XXXX XXXXXXXX ' attorney office attempting to sue me over the fraudulent charges and unauthorized associated interest. 

I'm a bit confused because I got a letter from Discover stating I opened an account with them in XXXX of XXXX and didn't get my card until XX/XX/XXXX of XXXX which seems odd to wait that long for the card. I don't think that is accurate. I've attached an email of payments made between these dates which would mean I would have had the card before XX/XX/XXXX of XXXX. Also please note the account was closed so I no longer have access to full communications just copies of emails that I still have. 

My credit card was fraudulently paid off in the amount of {$1700.00} I was unaware of this until I received a bill for {$3400.00} which would have been more than my {$1700.00} limit. I immediately called and reported this as fraud. They told me they would investigate, they in return decided to write this off as bad credit and close out my account. I'm not receiving letters from XXXX XXXX informing me of a wage deduction in the amount of {$4700.00}. Apparently they continued to charge me interest on an account that should have been closed. Please assist if you can!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit report without my authorization. It was a hard pull made on XX/XX/XXXX. 
I filed a dispute with Equifax. 
They received it - Confirmation # XXXX. 
They said they can only remove this hard inquiry from my credit report after they get a copy of my FTC complaint, which is why I'm filing it. 

XXXX never denied pulling my credit without my authorization. They said it was a " soft pull '' that would only stay on my credit report for 2 weeks maximum. That is not true! It is showing on my Equifax report as a hard inquiry that will stay on my report until XXXX XXXX. 

I want it gone and I want XXXX XXXX to compensate me for the damage they caused my credit and the time required for me to correct this!
Product: Checking or savings account

My XXXX XXXX that was linked to my business account was hacked causing my account to go into the negative {$2800.00}. Upon notice, I immediately contacted the bank and XXXX XXXX to resolve this issue. Despite numerous transactions occurring back to back, one minute after another, there was no proactive fraud prevention and this bank allowed my account to be severely depleted as well as accumulate over fifteen overdraft fees. It is now approaching day 30 of this investigation and this situation has yet to be resolve which has tremendously affected the day to day operations of my small business. I am aware that investigations could take up to 45 days but XXXX XXXX has already admitted fraud on XX/XX/2020. I have contacted the bank on multiple occasions to receive information on the timeline of this investigation. Each time, my contact information is requested and I am told I will be contacted after further investigation into the situation. I have yet to be contacted and informed of the status of this case or any reason for the delay.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : 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 XXXXXX/XX/XXXX. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.
Product: Credit card or prepaid card

Two purchases were made with my Bank of America debit card in XX/XX/XXXX totaling {$360.00}. The first, on XX/XX/XXXX, totaled {$160.00} and the second, on XX/XX/XXXX totaled {$200.00}. Both charges were to XXXX. I submitted a claim to Bank of America on XX/XX/XXXX and was initially credited the money back. However when the claim was resolved on XX/XX/XXXX Bank of America determined that I was at fault and took the money back out of my account. I suspect my information was skimmed online off of one of the sites I use for shopping, and Bank of America essentially said that because it did not occur at an ATM, they did not believe me ( and because the amount was not high enough ). They did no original research, including contacting XXXX. 

I called XXXX myself and was able to determine that the address both purchases were shipped to was the same P.O. box in XXXX, Florida, and the representative expressed shock that XXXX 's system would not have flagged the order due to the " sketchy '' address. I have lived only in XXXX and XXXX XXXX within the last 10 years, and have not even visited Florida in many years. I was not able to get this information in writing, however, XXXX said they could release it if I came back with a subpoena. 

I submitted a dispute that same week in XX/XX/XXXX with Bank of America, outlining the new information I had received from XXXX. I was told I would receive an answer within 60 days. Well over 60 days later, on XX/XX/XXXX, I still had not heard any new information from the bank, so I called their fraud department to check in. The only information they were able to give me was that the claim had not been processed yet, but that they would put a note in my file and I could expect to hear again in 60 days. Needless to say, my confidence in their process is low. 

{$360.00} may not sound like a lot of money to some, however I am a full-time graduate student reliant on federal loans and low-paying part-time employment, and it would make a huge difference in my ability to pay rent this month. All else aside, I did not make those purchases, and Bank of America is responsible for protecting me from fraud.
Product: Credit card

I tried to apply for the credit and their website is always stuck on ID verification. I have tried a few times with their associate flush the application but it does not help at all. Now when I ask them to what to do. They just stop responding.
Product: Credit reporting

I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX
Product: Debt collection

Im a victim of balance billing my XXXX. I had services done through XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX 39501.They sent me a bill for the remainder balance of a service that was not fully paid by XXXX 's XXXX ( XXXX XXXX XXXX XXXX XXXX after the service was paid by XXXX ( XXXX ) XXXX called XXXX several XXXX before about the issue with XXXX XXXX sending me a remainder bill of services rendered allowed charges through the state XXXX contract XXXX I also called XXXX billing about this issue recently and was told there was no balance. I believe this is because they sold it to Head Mercantile Co IncXXXX Today, I received notification from my XXXX that head XXXX XXXX reported this balance bill as collections on my credit report. I have tried to dispute matter. XXXX they said they took care of any bills remaining and should have not been billed, This is the 5th time I've tried to take care of this matter. Open date of collection was XX/XX/2020 and was reported XX/XX/XXXX i believe could be wrong.. XXXX didn't remove bill from account and head mercantile purchased this bill. They have now reported this to my XXXX as collections..NO bill notices were sent. I called XXXX today they said there should be any bill sent to me and Ive opened a grievance. This is illegal to balance bill a XXXX patient, even managed care XXXX, in the state of Mississippi. THEY have never sent a bill in mail paper. 
Head Mercantile address is : Head Mercantile Co Inc ( sos ) Business Phone : ( 440 ) 892-2300 29065 clements rd ste 200 Westlake, OH,44145 Memorial Hospital Gulfport 4500 13th St, Gulfport, MS 39501 228-867-4000