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

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : 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 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion by phone on XX/XX/XXXX and spoke to a representative in the USA call center to request several items be investigated under FCRA for possible inaccurate or fraudulent activity regarding several hard inquiries. I do not recognize two specific items : 1.  XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. I had also mentioned the XXXX XXXX inquiry should have been a soft inquiry for a credit line increase ( XX/XX/XXXX )
Product: Debt collection

I received a loan through Fortiva for XXXX XXXX XXXX in XXXX. Changed addresses in XXXX and never paid off original loan to Fortiva. Owed balance of XXXX. Never received any communication of this debt. Called Fortiva recently, back in XX/XX/XXXX when I noticed them as charged off as bad debt on my credit report. They informed me that they no longer owned the debt and that it had been sent back to XXXX XXXX XXXX the company that performed the XXXX. I contacted vision group holdings and was told I could settle the debt with debt collection agency XXXX XXXX XXXX XXXX. Called XXXX XXXX and settled debt amount for XXXX dollars on XX/XX/XXXX. XXXX XXXX representative also stated over the phone that they had the wrong address on file and that was the reason I never received any communication about this debt. On XX/XX/XXXX I received an email from Fortiva stating that my debt had now been sold off to another debt collection agency called XXXX XXXX XXXX. I advised Fortiva that I had paid the debt collection agency they originally advised me to contact and that they could not sell my debt off as they had stated originally that they were no longer in charge of that debt. They advised I call XXXX XXXX  which I did and I submitted proof of settlement I had received from XXXX XXXX. XXXX representative said this Was fine and that they would reach out to Fortiva to notify them the debt had been settled. It has now been months and they refuse to report the settled debt to credit bureaus. My credit score even dropped 45 points when they resold the debt to XXXX XXXX. Every time I call Fortiva the representative attempts to get me off the line by giving me the phone number to XXXX XXXX XXXX or XXXX XXXX and they refuse to acknowledge the debt settlement. I call XXXX XXXX XXXX and no one answers the phone. I believe they filed for bankruptcy and may have gone out of business.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these personal information!! i only have 1 name 1 address etc. However, they stated everything 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. 

1

5 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: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint because I am very unhappy that XXXX, Transunion & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!
Product: Checking or savings account

XX/XX/24 On XX/XX/24 THE DEPT OF VETERAN AFFAIRS deposited XXXX into my account with Jp MORGAN CHASE told me they are withholding my federal VA BENEFITS for an extra 2 weeks and will then send my benefits back via mail in a check.

I want my funds in order to pay my rent of {$1700.00} due on the first with a 8 % late fee applied on day the XXXX! 

I have car payment. I need food and gas and to pay electric bills. 

I can not afford to have my monthly benefits withheld and then mailed in a check! 

Please allow me to withdrawal my federal XXXX XXXX  timely. 

XXXX XXXX
Product: Mortgage

Requested lender to remove PMI for last two years. Sent few written letters. They wanted the home appraisal to be done at my cost, which I havent done. 
Loan took around XXXX Current loan outstanding XXXX which is about XXXX % balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my Capital One credit card charge off. Capital One did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. Capital One verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Product: Debt collection

XXXX. THD/CBNA ( Credit Grantor ) : Failure to update the status of the account following its transfer or sale to the debt collector. 
Persistently reporting a charged-off account without reflecting its transfer or sale. 
XXXX. XXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX XXXX ) : Neglecting to report the debt on the credit file despite being actively engaged in collection endeavors. 
Unauthorized disclosure and use of personal information, potentially constituting fraudulent practices. 

Considering these violations, there are at least XXXX potential violations in total, XXXX attributed to THD/CBNA and XXXX attributed to XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to them today around XXXX today and they told me they will remove it in 30 days but I want this negative impact removed very soon I paid everything to them now I want my credit the way it use to be.
Product: Debt collection

I mailed several Debt Validation/Verification letters on XXXX and XXXX to american credit bureau inc for a debt in the amount of {$650.00}. I sent these letters with proof from the post office to verify receipt and still have not received a response and/or the documents requested. I have complied with all credit reporting laws and have given them the appropriate time by law for them to respond.They have failed to comply with the laws of the FCRA for not sending me Validation/verification of the debt. I would like for them to delete from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA  done a credit pull on my identity as of XX/XX/2021. I have not applied for any credit as of XX/XX/2021. I am at home and not using the internet for any credit. 
Please take this hard inquiry off my credit report. Someone is trying to get credit of my ss number
Product: Checking or savings account

On XX/XX/19 I applied for an online checking account with HSBC.  After answering some credit bureau questions my account was denied. We then tried to apply on XX/XX/19 for my mother to open an account and she didn't even make it to the credit bureau questions and she was also denied. We called to ask why this was and we were told that they could not give us any reason why we were denied. We were told to ask for our credit report and see if there were any holds or wrong information. My mother and father just bought a home in the last month so I know that everything with their credit report is fine. We were then told that we also should try to apply from a " desktop PC '' because I was applying from my laptop and it could be that also. 

I just opened a bank account recently with XXXX XXXX and did not have any issue. My mother and I also just opened an account two weeks ago at XXXX XXXX XXXX without a single issue. I use to work in a bank and I know that if the credit report was showing different information we would ask them to bring in additional proof to establish their identity. At neither one of these account openings was that even requested. We opened our accounts with extreme ease. However HSBC is refusing to open any account for us. HSBC is refusing to inform us by phone as to the reason they are denying us and they have failed to inform me by mail as to why they are denying us. So it is literally impossible for me to try to remedy whatever issue they are having with my application. It's as if they simply want to refuse me service.
Product: Money transfer, virtual currency, or money service

Trying to open an account in the app called XXXX and they need to connect to my TD account for verification.
Product: Credit card or prepaid card

I signed up for the City National Bank Crystal Infinite Visa in early XX/XX/XXXX. I attempted to close my card on XX/XX/XXXX before the annual fee for the following year posted. I had to call in, and the representative warned me that if the fee already posted to my account they would not refund it. The fee had not yet posted though, so I asked to immediately close my card. City National Bank did not immediately close my card though. They held it open for over a week, charged me the {$400.00} annual fee, then closed it around XX/XX/XXXX. 

Since I had to pay the annual fee anyway, I asked to reopen the card for the second year, but they would not do that either. I've called both the credit card team and my " relationship banker '' several times and have not yet received a resolution. 

I've attached my XXXX statement, which shows it closed on XX/XX/XXXX, the date I called in to close my account. I believe CNB behaved deceptively by holding my account open for an extra week to charge me the non-refundable annual fee. 

Additionally, I tried to change my mailing address on three separate occasions and they never complied leading to all of my statements being sent to a previous address. I'm not even confident they will send a refund check to the right address at this point.
Product: Credit reporting

I have disputed with this credit bureau several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.
Product: Credit card

Currently in attempts to close my first progress credit account, but they're giving me the whole run around.
Product: Mortgage

I was unaware of this regulation at the time, but then again I was trusting that my lender had our best interest at heart as well as knew the laws that govern them, but in reviewing XXXX  and the CFPB 's website it has come to my attention that when closing on a home the lender is required to provide you with a closing disclosure form issued at least 3 days before we sign the mortgage documents, at least 3 days before the borrower becomes contractually obligated to the lender so we may compare and ask questions before we go to the closing table. In our situation this was not the case but at the time I trusted my lender and mortgage loan officer, XXXX XXXX was doing right by me and was doing everything by law, I see now that is not the case. 

My husband and I did not receive our final closing disclosures until XX/XX/2020 at XXXX. We went to the closing table on XX/XX/2020 at XXXX. Based on our signed Note we became obligated to the lender on XX/XX/2020. We didn't even have a full 24 hours nor did we have a loan officer at our closing table to answer our questions. 

This is the second complaint I am writing to the CFPB regarding issues I have had with my mortgage originator and loan officer. This is another example of predatory lending as it is a blatant violation of the laws created to stop predatory lending and is the exact reason the CFPB had to be created.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  DATE OPENED XX/XX/year>, ACCOUNT NUMBER : XXXX. Account status pays as agreed. XXXX XXXX XXXX XXXX, Account number : XXXX, delete asap not responsible for this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on mycredit report that were not open by me. That has been hurting me as i am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible
Product: Money transfer, virtual currency, or money service

I have been XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XXXX, and have received wire transfer payments to my bank account once a month every month since then. All had been processed successfully until last month. The last successful transaction occurred on XXXX XXXX XXXX XXXX XXXX EUR XXXX XXXX XXXX posted to my bank account by XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I received the standard notification to my email that my remittance had been processed for this month ( XXXX EUR ). However, it never posted to my account. On XXXX XXXX, XXXX, I contacted XXXX Accounts Payable reference or tracking number. XXXX  provided the XXXX and XXXX payment information on XXXX XXXX, XXXX. I subsequently provided this information to my bank ( Citibank ) and have been provided conflicting information by multiple representatives as to the status of the funds, which appear to be stuck in a correspondent bank. 

On XXXX XXXX, XXXX, I received another notification to my email that my remittance for this month had been processed ( XXXX EUR ). This, too, has not been posted to my account. I have requested this XXXX as well and am awaiting that information. 

No one at Citibank has been able to provide me any definitive answer on why my payments are not showing up after successfully posting for the past 5+ years. None of my account information has changed. XXXX has provided the proof that payment has been sent and say they are attempting to recover the funds to resend them, but this has yet to be done.
Product: Debt collection

Contract Callers is is reporting a debt that doesn't belong to me. Remove this immediately or I'll seek damages.
Product: Debt collection

I have a savings and checking account with XXXX. My savings only had {$5.00} in. I recently noticed that {$77.00} was transferred from my checking into my savings without my knowledge then a restraint was put on it I contacted the # I was given but the debt collector could n't explain when the debt was from. I asked several times and he jumped around the question. That conversation was recorded by his company XXXX XXXX XXXX XXXX XXXX. I 'm no lawyer but I know that they are not allowed to transfer my money from XXXX account to another. I contacted the bank and I 'm still waiting for a response from them. I would like to know if what they did was legal before I take it to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have 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 an 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 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: Vehicle loan or lease

Credit acceptance calls me at least 5 times a day. I got into a bad accident in the state of Alabama. The car was totaled and was at a tow yard in AL. It was a hit and run accident. I live in NY so I had to pay {$1300.00} to get back to NY. The insurance company stayed I only had liability, which I am fighting them because I just got the car in XX/XX/2021. I had full coverage and GAP insurance. I am out of work on XXXX due to my injuries from the accident. I called credit acceptance and told them to go get the vehicle from the tow yard. They have the vehicle and keep calling me 5 times a day and sending letters in the mail. I am fighting the insurance company. And until my situation improves and I get back to work I can't do anything right now
Product: Credit reporting

XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with Equifax, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted XXXX XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with Equifax which they responded was legitimate on XX/XX/23. I then called XXXX XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted Equifax and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from XXXX. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.