23daVinci/CFPB_Complaints huggingface dataset:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Product: Debt collection

I have been making attempts to pay my debt to the company Dignifi and they are not accepting my payments. 

I have been calling to make payments for more than XXXX months, and the company tells me they are sending my account to collections but will not tell me how to reconcile the debt. I have sent an email to the company in an NOI ( Notice of Intent ) action, but the company will not answer. From XXXX to XXXX the company will not take my payment, and I owe about {$3400.00} so I can make payments if they accept them from me. 

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

In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and SEVERAL of my rights have been violated. They have falsified information to all credit bureaus which is a violation of my privacy they violated the Truth in Lending Act 15 USC 1602 by reporting late payments as high transactions and the loans reporting to the bureau is a violation of the FCRA. They have failed to provide a copy of my written consent this debt was attached to an address that has NEVER been a place of residence of mine and several other violations therefore this must be taken off of my credit if not I will seek legal actions
Product: Credit reporting or other personal consumer reports

I disputed the following accounts through Experian in which Experian failed to Investigate, and or properly verify each account as reporting 100 % accurate : XXXX. XXXX, XXXX. XXXXXXXX XXXX. Experian failed to investigate per my first request for Experian to Investigate my complaint. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Protection Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align exactly with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXXhree written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Mortgage

XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.
Product: Credit card

Synchrony Bank with Rooms to Go The bank/credit card company are requiring consumers to pay {$1.00} per month for paper statements or to sign up for paperless ( eStatements ). 

I never agreed to this when I financed the furniture in the summer of XXXX. 

They did send out notifications about the upcoming changes, but I do not believe it is fair to force customers to go paperless or incur a {$1.00} monthly charge. 

I was charged the {$1.00} fee for the paper statement on the closing date of my statement, XX/XX/XXXX. I called customer service on XX/XX/XXXX, and they said they would credit me for this charge.
Product: Credit card or prepaid card

American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was during the Covid 19 pandemic. House was rented and government help was applied for, for rent and utilities and they were approved and paid by the state of Florida. After I moved out they continued to charge monthly rent for over three months or more, I really dont know. Utilities had all been disconnected and yet again, they still continued to charge rent, and whatever else they charged. I had a {$2000.00} deposit and didnt see one penny of that. Now they are reporting it to my credit file and I want it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have on my credit report a health care bill for XXXX now I have insurance that should have covered the majority if not all and my information has been sold to this 3rd party company medical data system Inc without my permission I did not authorize them to have my information nor did I give it in writing that I gave them permission. And I know that they bought it from them so legally my debt has been paid by them so I no longer have this debt. They are just trying to get their money back that they have paid for my debt with. If they can not provide the legal proof that I did, I would like them to remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope and pray you guys dont close out this complaint and take the time to actually pay attention to what I've written. This is in reference to Experians lack of investigation skills. This account with XXXX  XXXX was removed from my Experian report in XX/XX/2022. Experian illegally reinserted the account # XXXX. I reached out to the XXXX  and Experian advised them per XXXX XXXX they would investigate this matter. However, I have never receive any reply from the investigation. Im asking for CFPB to look into this and not allow the system to just close out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been sending Transunion disputes the last XXXX months about a false bankruptcy on my credit report. However, they are not properly investigating because XXXX and XXXX are not reporting this false bankruptcy. I even contacted XXXX and they also have no record of it. Transunion is clearly violating my right to have an accurate credit report.
Product: Checking or savings account

I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and didn't recognize a lot of the items. I didn't apply for them and need these items removed completely.
Product: Credit card

I have an account with Best Buy. I recently checked my statement on line and found a charge of about {$28.00} and some change for Debt Protection Service. Since I acquired the account I never authorized to have this service. I contacted Debt Pro company and they say it was activated in 2007 and I have been paying on it since. I called Best Buy, they could not give me a straight answer on how this was added without my authorization. I am looking at getting a credit towards my Best Buy account for the amount I have been paying for this unauthorized service since 2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised. I think it started from XXXX XXXX XXXX XXXX. My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.
Product: Credit reporting

I am a victim of identity theft and I have several accounts listed on my Equifax credit report that are fraudulent accounts and do not belong to me. The following accounts are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # : XXXX XXXX XXXX # : XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX # : XXXX of XXXX # : XXXX XXXX # : XXXX
Product: Payday loan, title loan, or personal loan

Company is violating my rights under FDCPA by leaving account specific information on a cell phone voicemail that does not clearly info date who it belongs too or without making direct consumer contact. Threatening to transfer account to legal department via voicemail to coerce payment. Advising I have 5 days to submit a payment or my account will be transferred to legal department via voicemail. Not honoring multiple requests to call within preferred call window as I am employed and can not answer the phone during work hours. Violations of both FDCPA and UDAAP violations.
Product: Debt collection

Hello and good morning I have gone ahead and verified this information was not mine and also have submitted dispute results to XXXX and XXXX but XXXX has not removed the debt although the other agencies were able to verify the debt in fact is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( 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 direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.
Product: Mortgage

Newrez LLC is serving my loan. They requested me to provide home insurance for my condo. I provided insurance proof as requested twice. The first time I submit the proof through submissing link they provided, they didn't reply ( around XX/XX/2023 ). The 2nd time I called and sent the proof to the representative and was told I was all set ( XX/XX/2023 ). Now I found they still saying I am not having active insurance. They sent an insurance payment from my escrow account for a lender placed hazard insurance ( I already proved I have an active one ) and asked me to pay for the cost ( dated XX/XX/2023 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - It was reported that XXXX XXXX requested a copy of my credit report from TransUnion, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of XXXX XXXX if I deemed this to be in error. 

The telephone # provided for XXXX XXXX   was a recording regarding mortgages, after which the call disconnected me. 

I then called XXXX XXXX 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the XXXX XXXX agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact TransUnion. 

XX/XX/2019 - I attempted to resolve this online with TransUnion however, was instructed to call the agency as the issue couldn't be taken care online. The TransUnion agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact XXXX XXXX. 

I again called XXXX XXXX, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from XXXX XXXX ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/XXXX ... ... 

- Copy of my consumer report showing the inquiry - XXXX XXXX made the inquiry, UNAUTHORIZED, XXXX XXXX should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several XXXX XXXX   agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which XXXX XXXX and TransUnion have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think XXXX  misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and XXXX had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach XXXX XXXX  to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on one of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out 3 letters to each credit bureau, XXXX, Equifax and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and Equifax bureau, but not XXXX. 

Equifax and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX XXXX XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( XXXX, Equifax or XXXX ). I have not received a response in over 30 Days.
Product: Debt collection

I have been trying to get this one item off my credit for years now my rights have been violated!!!! I have rights and I know my rights. I never gave anyone permission to put it on my credit. Im Not responsible for this DEBT. please remove from my credit report Now!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK CBNA is reporting an account on all 3 credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all 3 credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES Balance is {$470.00} Open on XXXX notified the debt collector that I refuse to pay a debt the debt collector must cease all communication.