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

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need that consumer reporting agencies exercise their grave responsiblites with fairness, impartiality and respect for the consumer 's right to privacy. 

I demand of all personal information from my consumer credit report with the exception of : XXXX. My full name as it appears in state identification : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX nc XXXX Please delete all other addresses, I can not receive mail or any correspondance nor do i have any access to any of these addresses please delete any outdated address and update with one above My only phone number is XXXX delete all other phone numbers I demand any socialsecurity number any date of birth be removed from being displayed on the credit profile for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX5 USC 1681 ( a ) ( 4 ) I am a federally protected consumer and have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all XXXX credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you
Product: Debt collection

I have a credit card that was paid through XXXX insurance. After they kept placing and refunding fees by the end of XXXX payments there was a balance of {$34.00}. I spoke with representative from this credit card company and she agreed that the balance would be forgiven due to myself being terminally ill without a cure and on XXXX. This happened in XX/XX/2018. All of a sudden I have a collection placed on my credit bureau for {$500.00}. I've tried several times to contact collection company for verification of debt and never heard from them, nor received any verification from them nor bill ever. After disputing debt with credit bureaus multiple times they state debt is verified, how?? I contacted original credit card company and the lady states my insurance company never paid. Not true what so ever. I finally received all documents from collection company and it is all fees and interest accumulated since XX/XX/2018 when debt was forgiven. I never had a personal balance with the credit card company. So I was mislead and lied to by this credit card company via a recorded conversation of this agreement that debt would be waived because of circumstances and it was left over interest and late fee from insurance company paying bill late. How can a collection company try to charge someone for fees only when account was closed affective XX/XX/2018 with no balance. Also how can a collection I n be placed on a bureau without the law of proof of validation of debt. I have 30 days after receiving said bill to dispute prior to reporting on credit bureau. This is all against the laws set in place to protect consumers. And as of our joke of credit reporting agencies need to be held accountable for their actions. Falsely reporting incorrect information, not actually correctly reporting all true information and they have to delete and never place item again via FCRA laws when debt is not verified completely. Also they need to provide proof of validation of debts accuracy. Not just say we verified through our 3rd party. But information is still not complete, dates incorrect, missing amounts and most of all its fraudulent. Please help
Product: Checking or savings account

I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow. 

I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them. 

This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.
Product: Debt collection

( MERCHANTS CREDIT GUIDE ) at ( XXXX XXXX XXXX XXXX. XXXX, IL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$69.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Merchants Credit Guide ( account # XXXX ) for the amount of {$69.00} I never heard of ( Merchants Credit Guide ) I never did a contract with them.
Product: Credit card

Timely payments on this account have always been my practice, never allowing them to slip into arrears. I'm unsure about the factors contributing to the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The Following Account Is Not Mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$3000.00} ) account. I am unsure of the accuracy of the Balance of {$3000.00} that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
The following account was never late XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.XXXX XXXX XXXX/ Account number XXXX 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 an account without my written instructions/consent. 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 than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The account with XXXX XXXX was closed by the consumer for not being used. The XXXX XXXX also reported 30-90 days late which is not accurate. I request Experian to removed this account from my credit file.
Product: Checking or savings account

I informed the teller that I needed her to check to see if that was a fraudulent check. I formed me that she had to deposit it first. And the check needed 4 business days to go through. I called verified if the check cleared several times even when it looked like it went through and after I sent money to a person I was found out I was scared and the check was fraudulent. Came back as fraudulent check now the manager will said o owe the bank money. Of XXXX
Product: Student loan

I orginally took out a student loan for amount of {$2000.00} in 2010. With the accrued interest the balance is over {$3300.00}. Also it includes every school I have attended thereafter. However they are not reporting my accrued interest correctly so when I file my taxes, it seems as tho i am only paying in the principal amount. Accrued interest is calculated everyday however they are reporting it incorrectly.
Product: Debt collection

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Product: Debt collection

I have enclosed documentation but briefly Nationstar Mortgage was servicing a non secured loan that was discharged in Bankruptcy Court in 2013. Approximately a year and a half later I began receiving " Informational '' statements from them that look exactly like invoices. I have attempted to have them stopped being sent and have been assured by their staff it would but they continue to send these. I would appreciate any assistance on your part to review and assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I made a partial payment of {$800.00}. On XX/XX/XXXX, I made the remaining payment. Next full payment that went through was XX/XX/XXXX, I had not noticed that a check I deposited had been returned. I continued to make on time payment from XX/XX/XXXX through XX/XX/XXXX. In XXXX and XX/XX/XXXX, I got hit with a 30 day late on my credit report. XX/XX/XXXX, I was hit with a 60 day late on my credit report. XX/XX/XXXX and XX/XX/XXXX, US Bank hit me with 30 day lates again. I had talked to US Bank to have the 4 of  the 5 late penalties from my credit report. they said that they couldn't do anything. I tried to explain to them that only one should've been reported not 5 of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on equifax only for many months has shown a credit card from XXXX XXXX which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with equifax, they indicated I had to speak with XXXX XXXX about it. 

I have called multiple numbers at XXXX and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when Equifax checks ( With whom I have filed multiple disputes ) they say that XXXX is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed and I would like it removed from my credit report.
Product: Checking or savings account

Someone from XXXX XXXX XXXX to me he was looking for people to hearing, I saw that email on my XXXX college email student email, my assignment will be to send and received gift to the list off other company the will give to me, theirs pay me $ XXXX Work from home, theirs send me my a check {$3500.00} in the XXXX XXXX mail, I deposit the check in my account, when the check was cleared Their ask to transfer {$1000.00} to my cash app from my main checking account. The time I realized the block my account and freeze my account and also my joint account with my wife and I, for XXXX weeks now. 
And also ended up the relationship with me.that santander bank.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$130000.00}
Product: Debt collection

I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. 

Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX
Product: Mortgage

I have always paid my bills timely and had a great credit score. My loan company has lost the last two payments I have mailed them. I mailed my XX/XX/XXXX payment on XX/XX/XXXX. I received notice in XXXX it was not received. Then I started getting phone calls from a computer that said it was my loan company, but you could not talk to any one. I tried calling the phone number back and could not speak to anyone. I got concerned that these were scan calls, so I placed a stop payment on that check XX/XX/XXXX. I mailed another check on XX/XX/XXXX for both XXXX and XXXX payment. During this time I tried getting through to all departments at my load company and could not speak to a real person, all computerized. I even took 4 hours of vacation from my job on XX/XX/XXXX to tried to get through to someone and no success. 

Received a call from collections XX/XX/XXXX, finally a live person. Explained the whole situation, and advised that I had put a stop payment on the original check and mailed another one. Now I have stop check fees and late fees that I should not have accrued. 

Today is XX/XX/XXXX and they still have not received the check mailed XX/XX/XXXX. Another late fee, and now they received the original check mailed XX/XX/XXXX and tried to cash it, even after I informed them a stop payment had been issued. Now I have a returned check fee that I should not be responsible for. 

This is absolutely the worst service I have ever had from a mortgage company. And the fact that you can not speak to anyone when you call customer service is outrageous. I have always paid my bills on time and in full and now my credit is destroyed because this company can not operate properly.
Product: Debt collection

I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

When attempting to use my BBVA debit card to access available funds, through cash withdrawals or point of sale purchases, BBVA is arbitrarily blocking and denying payment. 

At the end of XX/XX/XXXX on or about the XX/XX/XXXX I went to a XXXX XXXX grocery store, money center to XXXX XXXX cash to my family who was visiting XXXX XXXX. I attempted a point of sale purchase to receive cash back to pay my move in deposit in XXXX Oregon. 

BBVA blocked each attempt I made. I tried once and it didn't go through so I tried again with a lower amount which also didn't go through. I contacted the bank and after a lengthy hold was informed that the transaction was blocked due to potential fraud. 

I verified my identity sufficiently and was told that my card was unblocked. I went back into the store and again attempted the transaction. My wife and XXXX children have been waiting at XXXX XXXX in a foreign country this whole time not knowing why the funds were unavailable. 

Again the transactions were denied so I called back. After waiting 45 minutes to speak to a representative she informed me that they had again locked my card due to possible fraud. 

So I asked her to remain on the line while I attempted the transaction and it was successful. After a mere 1 hour and 45 minutes the single transaction was complete. 

On XX/XX/XXXX first I contacted BBVA support letting them know that I would be making a large transaction in the next couple of days. I was informed that there wouldn't be any problem. On the XX/XX/XXXX I attempted a point of sale transaction at XXXX XXXX in XXXX Oregon to pay my rent. 

It was blocked ... I contacted support who denied blocking the transaction until I asked for a supervisor then finally acknowledged that they had blocked it. I called the branch where I opened the account and was informed that because they didn't have any locations in Oregon that they couldn't help me. 

I tried performing a transfer to another bank where I have an account and BBVA blocked that transaction as well. 

At this point I have spent numerous hours in contact or attempting to contact BBVA to  resolve this matter. I have been embarrassed at each location and this has damaged professional and personal relationships. This was caused by negligence or possibly even intentionally.
Product: Debt collection

this following company is reporting inaccurate information on my reports. i have tried to resolve this and they continue to break the law.
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 CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Product: Student loan

Navient continues to call me over and over about wanting to reduce my debt ( when they have already told me they cant ) i have repeatedly ask to stop to calls. They called saying i am past due and not sure how that is possible when i paid in full and did not have a carry over balance, according to their systems. Now I show i am past due XXXX and the callers are very aggressive with me and refuse to stop calling me
Product: Checking or savings account

I opened an account with Upgrade banking and they suspended it within a week. It has been under review for weeks, and there are less that 10 transactions!
Product: Debt collection

Continual calling and harassment on a debt, which they admittedly tell you, they can not enforce because it is over 6 years. It appears that their practice is to harass you until you resolve the debt, even though it is legally unenforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.
Product: Money transfer, virtual currency, or money service

Authorized transactions in money came up missing XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since 2015 I have had freezes, fraud alerts, put on my credit report. I have made police reports which I have sent in to Equifax reguarding account and inquiries not made by me. In one of my police reports from 2015 its listed that all my personal identifying documents where stolen, which includes passports, ss cards, tax returns info etc. EQUIFAX have removed the fraudulent accounts but NOT the inquiries from attempts to gain credit in my name fraudulently or unauthorized are made. I can not keep a fraud alert or freeze on my credit at all times because it hurts me when Im applying for credit. I can not help people have my information and tries to apply for credit or new accounts from time to time. As soon as I realize it, I freeze my credit and try to dispute inquiries. I have sent 5 letters of disputes for the inquiries and 8 fax. EQUIFAX has failed to investigate or reply. They have no proof I authorized or given permission for anyone to run my credit. Nothing that I signed with my signature. These inquiries and credit rating are affecting my livelihood, and they have not replied to me since XXXX when I began noticing the problem from my credit monitoring site.