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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I use XXXX all the time through USAA and now XXXX is being sued cause of the disclaimer My fiance was trying to send me {$50.00} one day and he banks with XXXX XXXX  XXXX and I never received it it was last year in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX still remains on my reports after being reported as a fraudulent account. XX/XX/2021 I filed an Identity Theft Report indicating this account was not mine. 

The Credit reporting bureau should remove any account reported to be fraudulent when an ID theft report has been filed in accordance with The Fair Debt Collection Practice Act. 

My ID theft report filed in XX/XX/2021 is hereby attached to this complaint.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Transunion, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Good Afternoon, Spoke with company a year ago in regard to this debt. Informed company debt does not belong to me, company stated they would not remove debt unless XX/XX/2019 -I paid a fee - paid fee of XXXX $ debt still on credit file. XX/XX/2019 - sent debt validation letter - No response from company after 30days XX/XX/2019 - contacted company to follow up on why there wasnt a response to my debt validation letter and to follow up on why company took payment and didnt honor agreement. XXXX XXXX XXXX to Manager XXXX was told she would review call - still no mention of why company did not follow up on debt validation 30 day FCRA requirement letter. Manager - stated she would give a call back once she reviewed call after I stated Im getting CFPB involved. XXXX mid Month - XX/XX/2019 - Called back to speak to Manager, sent to voice mail no response. XXXX - Mid Month -XX/XX/2019- spoke with XXXX General Manager - assured he would look into all of the above. No response from company since then. Inaccurate, information on my credit file. No response to Validation letter. Company not responding or following up with dispute.
Product: Credit reporting

I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.
Product: Consumer Loan

I have been a customer of Bank of America for over 15 years with a credit card. I have always paid the monthly fees and my FICO score is in the XXXX. I NEVER asked for a credit increase, but instead of sending me credit cards, B of A keep sending me odd letters saying that there is a problem with an " restricted access notation '' on my consumer credit file. '' This is bogus -- a lie. I called B of A several times, including a talk with XXXX on XXXX/XXXX/2015 at XXXX with the credit dept there. She said that there was a problem with my address, which they had it all along- NOTHING to do with my consumer credit file. 

She apologized and said that the cards were going to be released. Today, XXXX/XXXX/2015, instead of getting the cards, I get another bogus letter from BofA dated XXXX XXXX, 2015, mentioning the restricted notation (? ) again. I tried calling the credit dept. today, but it was closed. I talked to a regular rep at B of A and she can not tell why I 'm not getting the cards. 

I want to know why I 'm being harassed like this. This is scary. 

The credit cards expired in XXXX 2015 and I received new cards. However, next I received a letter saying that an " Unkown '' business has been compromised, and that I was going to get new cards. Then I got another letter saying that B of A will be sending me new cards with chips. I noticed a transaction that I did n't recognized online, I contacted the bank and was told to cut the cards and that other ones would be sent out. These never arrived. I contacted B of A again and was told that the cards were NOT to be cut out and replacements would be sent to me. However, because now I 'm caught in this credit request I never made, I never receive any cards. The situation is insane, and I do n't appreciate people playing with my credit and credit history like this. I do n't like that B of A is telling me in writing to contact the credit bureaus, when the problem is their internal mess. This is not right.
Product: Debt collection

THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS. 

THIS IS WRITTEN NOTICE TO BC SERVICES THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAKL TIMES FOR BC SERVICES TO PROVIDE ME WITH PROOF THAT THIS DEBT IS INDEED MY DEBT, AND THAT I HAVE A LEGAL OBLIGATION TO PAY YOU BC SERVICES. BC SERVICES HAS REPORTED AND LISTED ON ALL XXXX OF MY MAJOR CREDIT REPORTS ( XXXX, XXXX AND XXXX XXXX INVALIDATED AND UNVERIFIED INFORMATION, WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TO. 
I HAVE WRITTEN TO BC SERVICES SEVERAL TIMES VIA CRETIFIED MAIL AND HAVE REQUESTED THAT VALIDATION IS REQUESTED, IT HAS NOW BEEN LEGALLY PASSED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW. THE DISPUTED INVALIDATED ACCOUNTS MUST NOW BE COMPLETELY REMOVED FROM ALL XXXX OF MY CREDIT REPORTS. AS BC SERVICES IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITTING OF ANY CLAIM. BC SERVICES HAS FAILED TO REMOVE THIS INACCURATE AND DISPUTED ACCOUNTS OUTLINED IN MY ORIGINAL DISPUTE, AND COMPLAINT WITH THE CFPB. THESE INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY CREDIT REPORTS AND BC SERVICES HAS FAILED TO LEGALLY VERIFY THESE ACCOUNTS INFORMATION IN THE TIME FRAME ALLOWED BY LAW, AND THESE ACCOUNTS INFORMATION DISPUTED BY ME THE CONSUMER DOES NOT LEGALLY MEET THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ALTHOUGHT BC SERVICES HAS REPORTED AND IS CONTINUING TO REPORT INACCURATE AND ILLEGAL INFORMATION TO ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS?
Product: Mortgage

Hello, We attempted to close on a new home using Pentagon Federal. They missed two closing dates by not sending our  information to underwriting, and then failing to send closing documents to the closing attorneys/title company on time. This forced us into renting ( early occupancy ) for a week ( in addition to hotel costs prior to this point. ) Given it was Pentagon Federal 's  mistake for the repetedly late closing, they negotiated to pay the prior owner directly for the early occupancy fees ( total of {$800.00} ). All parties agreed to this direct payment to the prior owner. On the closing date they did not pay the owner, but rather applied a discount in the closing costs without explaining this to anyone and not disclosing the reason for the discount. This hid the transaction and changes my taxes at the end of the year without my approval. After two weeks of not responding, the loan originator responded with these comments, " I have confirmed that due to compliance reasons the credit had to be disclosed on the closing disclosure. This {$800.00} credit was deducted from the amount you paid due at closing. I know this was not how you preferred this credit however, for tracking reasons with regulators, this had to be credited this way. '' It read as if they were attempting to hide the action from mortgage regulating authorities. 

Finally, PenFed then issued a letter attempting to force different home insurance for our property, by claiming our current home insurance failed to meet required minimums for PenFed mortgage servicing. When I called the " Insurance Service Center '' on XXXX, the Service Center acknowledged that the information in the letter was false, our current insurance was more than adequate, and PenFed maintained a policy to send these letters to all their new mortgage holders with the false information. It appears to be an effort to force action on false pretenses. This could have cost significant money had I acted on their claims without verifying with my insurance carrier and their Service Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They didnt correctly rpond to my dispute, they told me to the items were verified. I asked them to send me their method of verification. They still didnt send me no proof and are contributing to illegally report information on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted XXXX XXXX to fix this information since I never missed any mortgage payment. I received a letter from XXXX XXXX last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, Ga XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my CITI CARDS/CITIBANK account ( Account Number XXXX ). 
Specific Inaccuracy : The report states that the account was charged off with a past due amount of {$1200.00} as of XX/XX/XXXX and a balance of {$4000.00} updated as of XX/XX/XXXX. However, there is a clear inconsistency in the payment history section : 1. The payment history shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. Reporting a charge-off for multiple months is factually incorrect. 
2. Additionally, the payment history indicates that the account was closed ( XXXX  ) in XXXX and XX/XX/XXXX but continues to report charge-offs ( CO ) after these dates. If the account was closed, it should not have further charge-offs reported, making this information inaccurate. 
3. There is also a discrepancy in reporting late payments for months after the charge-off date, which is not compliant with accurate reporting standards under the FCRA. 
Requested Actions : 1. Reinvestigate this account information with CITI CARDS/CITIBANK to verify its accuracy.

2. Correct the status of the account by removing the repeated charge-off entries and the inaccurate late payments if they are indeed errors, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from RECEIVABLES PERFORMANCE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLES PERFORMANCE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card or prepaid card

My information was stolen on a website that I put my information on and did not realize what exactly happened until I looked at my full credit report and saw so many incorrect accounts on my report. And I will work to get every negative account off of my credit report that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that I need immediate investigation : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$0.00}. Under the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the disputed accounts I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX   can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately. 

I have attempted to negotiate with both XXXX XXXX  and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I checked my equifax report and I noticed that XXXX XXXX had submitted an inquiry that I had no knowledge of. I contacted XXXX XXXX credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact Equifax. I then contacted Equifax and they informed me that I would have to file a report before they can remove it from my report.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across XXXX, XXXX, and TRANSUNION. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXX. 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the three agencies are all reporting different information. 

The accounts are as follows : XXXX  The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the 3 bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all 3 agencies immediately. 

Another account is listed on XXXX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from XXXX immediately. 

There is an inquiry listed on TRANSUNION, XXXX, and XXXX inquiries listed on my report with the date of XX/XX/XXXX. I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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