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

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected.

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late Mother and is planning to purchase a new residential condominium for herself and her XXXX minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX ~ on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX 's attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX 's belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX 's card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB may suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX acting as trustee continues to file fraudulent foreclosures against me with fraudulent documentation. I am attaching a copy of a brochure that they mailed to me that says that they are not a party to any court actions however, there is an impostor or XXXX XXXX  XXXX XXXX is the one committing fraud and trying to steal my house. XXXX XXXX acting as Trustee is either doing this or they will need to become involved in order to stop an impostor who is acting illegally in their name. I am attaching some of the fraudulent documents that are being claimed to have been filed by the trustee. The case can be found online at https : XXXX and attached you will find 2 fraudulent mortgage assignments that this impostor or XXXX XXXX XXXX XXXX XXXX have filed in fraud. The first assignment has proof from the attorney general 's office to prove that the assignment is forged and fraudulent and the last assignment is a prime example of robosigning because it states the alleged assignee on the first page and then on the second page the robosigner types the assignee name as another party not involved in the chain.
Product: Credit card or prepaid card

By XX/XX/2018 - I paid Bank of America VISA card approximately {$25000.00} to bring the balance to a negative - {$210.00}. 

I not only paid the card off in full, I overpaid by over {$200.00}, and they owed me money! 

My limit on the card was approximately {$39000.00} - and I held the card for almost 20 year, with consistent payments. 

The same week I paid several other credit cards down by approximately {$20000.00}. These payments caused my credit score to go up. 

On XX/XX/2018 - AFTER this BOA card was paid down to - {$210.00}, I phoned to ask about balance transfers. I told the agent, XXXX, I did not want to formally apply for a transfer, I was just getting information to make a decision the future. He said I could call back when I decided. 

Yet, on XX/XX/XXXX BOA closed my Visa card, stating balance was " too high. '' It was not " too high, '' it was negative - {$210.00}. 

In addition, I had another recent problem with BOA. An agent on the phone had set my Autopay up several months ago. But, the auto pay was set incorrectly, so one month it was {$14.00} short. I did not know it was {$14.00} short, so then that little {$14.00} short, became 30 days late. 

I called BOA on XX/XX/18 and the rep XXXX was rescinded the 30 day late notice to credit bureaus and credited the late fee. Her BOA submission number XXXX and was approved on XX/XX/18. But, I had to wait 2 billing cycles for this BOA error of autopay to clear off of my credit score, and therefore suffered, due to BOA 's error. 

In addition, since I am publishing this to other readers, when my purse was stolen, BOA was the only credit card customer service I could not get on phone to report the theft. They did not care, and every time I called, the wait was almost an hour, just to report a stolen card. 

In summary - the action I demand - is that BOA reopen my account, so my credit score is not impacted negatively. I do not want my credit report to state that BOA  closed my account for a " too high '' balance. I can prove the account was XXXX on the day they closed it. I want to close this account " at customer 's request, '' and have all BOA 's false and negative reporting about my " too high '' balance scrubbed from my credit report. 

they also have not sent my credit balance of - {$210.00} back to me, and I have called several times.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Equifax I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report.

Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter.

Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response.

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from Clearview Resolution Services this morning, phone number XXXX. The call was an automated message stating they were " unable to process [ my ] payment and [ I ] needed to contact them back immediately to resolve this issue. '' Before calling them back, I logged into my bank account and checked all of my payments. All had cleared, nothing was pending. That is when I knew this was a scammer. I decided to call back to see what they said and to get the name of the company, if they stated one. 
When I called the number a man answered " Clearview Resolution Services, can I help you. '' I stated, " I 'm not sure, you called me. '' He ask me to hold. I timed it, I held for approximately three minutes. When he came back on the phone he asked if I was, i.e., XXXX XXXX. I stated, " no. '' He asked again, " You are not XXXX XXXX? '' And I stated again, " No, I am not XXXX XXXX. '' Then he asked, " Do you know XXXX? '' And I stated, " No, I 'm sorry, but I have never heard of her before. '' He proceeded to ask, " How long have you had your current telephone number? '' I advised, " I do not know how that information is relevant to you, but over two years. '' He then stated, okay, we will contact the, i.e., " Hometown, State '' records, for current information on XXXX XXXX. I told him, good-luck and goodbye. 
The name this man originally asked for was close to my maiden name, but not correct. Secondly, I did n't correct him because I did not want to give him " my correct maiden name ''. In addition, I have not used that name in over 25 years. Also, I filed bankruptcy 9 years ago so I know there are no collections or other accounts on my credit besides the new accounts I have built in the last 8 years. And since, I meticulously check my credit scores monthly, I know for certainty that my current accounts are in good standing. 
Lastly, the reason I decided to report this call today and not ignore it is that last week my credit union alerted me that my identity and personal information could have potentially been breached through XXXX. I was sent a link to check my status and to determine if I was eligible for free credit monitoring. It was determined I was eligible for the service and I have signed up even through I already have my own identity theft protection. 
I feel this is the " first breach '' of my identity and personal information because this company was clearly going to try to scam me for a debt that is a counterfeit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX   XXXX    XXXX  > I have never paid late this account, insurance paid late
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a preapproved offer to refinance a vehicle. Before I hit submit I called customer service to make sure I could refinance a loan in my name only for a vehicle that wasnt under my name. I was told yes so submitted the app and was approved. Now I called to finalize the app and was told I couldnt do it cuz the loan wasnt in my name. So my credit report was pulled under false pretenses. I was advised today to submit a complaint to have the inquiries removed due to XXXX  error.
Product: Credit card or prepaid card

First Digital accepted my payment on XX/XX/2023 and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
Product: Credit reporting or other personal consumer reports

XXXX asked for collections and bankruptcy to be investigated but no proof was given even sent proof from courts that they have no knowledge of it. 
XX/XX/year>XXXX same information but no proof of their investigation. 
XXXX same information no proof XXXX same info no proof XXXX same info no proof was given
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

My credit file shows hard inquiries I never approved. Kindly eliminate them.
Product: Mortgage

Also i need to know XXXX speak with about your miapprotatesion of fund that i instructed where to apply and you choose to do as you decided to do as you want with them. 


Why is it that you feel you can apply the payments I have made where you want after I have clearly stated that they are to be applied to prinspal and intrest and nonplace else. 

I have sent you many documents supporting the correct property tax amount and you still wont correct. You have been instructed to call the county and ask to verify the new amount after the deduction are Applied I have been dealing with this since XXXX with your company and keep just getting the same thing we are looking at and someone will contact you and no one ever calls I had a manager tell me to just take you to court because you can do what ever you want with my paperwork I am looking to do a irrrl to lower the rate and get no answers I am a veteran and feel that most of your employees could care less about a vet I would like the CEO to contact me and see how he feels about a fellow vet being treated like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.
Product: Money transfer, virtual currency, or money service

I came across a job scam situation where the criminal tricked me to deposit a bad check and telling me to give them a cashier 's check. As soon as I deposit a {$5400.00} cashier 's check on XX/XX/2018 to their specific account, I realize I have been scammed and I went back to my Citi bank to ask for help. The personal banker " XXXX XXXX '' just straight up told me she doesn't know how to help me and just gave me her business card tell me to go home and call costumer support. After I came back home and researched for the costumer support number, called in, the operator asked for the account I deposit to and telling me that she will froze my account and stop the money from going out and told me to call back and check the next day. So I called in the next day, they told me they can't see anything because my account is frozen, telling me to call back again. Therefore, I have been keep calling them back for about a week, at first, every time I called in they reassured me that everything will be fine and telling me to call back another day. Until they finally told me that the check was returned again and they didn't save my money. I felt that my bank has mistreated my situation and did not provide me the most appropriate help, and wasted my time, when I could have a more professional banker 's correct guidance tell me to go back to XXXX XXXX XXXX for a reverse transaction on the cashier check I deposited. Now my checking account is over drawn since I only left {$1000.00} in there and Citi is forcing me to pay back the rest to make up the lost of {$5400.00} or else they will do a debt collection and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion Credit Consumer Solutions on XX/XX/2021, to advise them that they are reporting my mortgage company ( XXXX XXXX ) inaccurately. I mailed them supporting documents to back up my claim. XXXX XXXX has also reached out to Transunion to confirm and back up my claim. TransUnion is refusing to update my credit report to reflect that I have a tradeline with XXXX XXXX in good standing and never late.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX  other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX XXXX XXXX Thanks
Product: Checking or savings account

A criminal was able to withdraw {$3700.00} from my GS-Marcus savings account just knowing my acct #. That money was transferred to a crypto currency exchange under a different name than mine! GS-Marcus website states that withdrawals can ONLY be made to EXTERNALLY LINKED ACCOUNTS, but the crypto-currency account ( with a different name than mine ) was NOT EXTERNALLY LINKED. 

GS-Marcus did not detect that unauthorized transfer- I did and notified them. After completing and sending back an unauthorized transfer form, the {$3700.00} was credited back to my account WITHOUT THE INTEREST DUE. I detected that after logging into my account. GS-Marcus never notified me of that credit. 

Despite numerous requests, an explanation was never received. That is in violation of CFPB Reg E which governs EFTs : " A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer [ Goldman/Marcus NEVER REPORTED THE RESULTS TO ME ] within three business days after completing its investigation. '' https : //www.consumerfinance.govXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for nine months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with Honda for two years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to Honda because I thought my lease had matured. Honda never reached out to me during this time so I had no idea the payments were not being made. Honda also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called Honda Finance several times and spoke to my local Honda dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.
Product: Checking or savings account

I would make a transaction it would be subtracted from my available amount and then later on someone will go in and make that same transaction as if I didnt have the funds in charge me a {$39.00} fee. They have done this more than one time I have reached out they said they were doing a complaint however, it is very imperative someone look into this because it is illegal. They have been doing this and I have complain. I took screenshots and everything before they did, and only then return some of my fees, however, it just recently happen again again