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

I have sent this company an FTC fraud report allowing them to see that this loan doesn't belong to me. Personify Fiancial is breaking many FCRA laws.

15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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.

Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate.

PERSONIFY FINANCIAL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have also filed a Dispute through the XXXX  Dispute and Currently have my states Attorney General looking into this matter as well as others. We as consumers have rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage in XXXX, XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my MACYS/CBNA account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( XXXX ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
Equifax : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

My complaint is about Jetblue 's Plus Master Card. 
Barclay Bank offers XXXX ( as of now ) reward points as a benefit when you apply for the Jetblue Plus card ( after spending {$1000.00} in 90 days ). But Jetblue 's card does not give the same reward points to XXXX XXXXXXXX XXXX  residents. As XXXX residents, we have to apply for this Master Card credit card through XXXX XXXX XXXX, and this institution does not give the same benefits to Jetblue Credit Card clients. This is a very discriminatory action from I do not know if it is from XXXXtblue, Master Card, Barclay, or XXXX XXXX XXXX XXXX Jetblue 's flight attendants market the card, announcing on the flight, out loud, the benefits of the cards, encouraging passengers to apply, and mentioning the rewards points. Everything they say is given away in a brochure to fill out the application or through scanning a barcode with a promo code. But Barclay Bank does not let you apply because we are XXXX residents. Still, the bank institution in XXXX  does not give all the printed benefits, which is discriminatory. We, as passengers, paid the same price for flying tickets on Jetblue ; we are not flying for free or with a discount why do we, as residents of XXXX, have to first apply for this card through XXXX  instead of Barclays, which gives the benefits, and why we do not receive the same benefits as the XXXX XXXX XXXX residents?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted TransUnion about my credit inquiries. Now, three that were business inquiries are reporting on my personal credit report, which is not supposed to happen. The inquiries are from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXXXXXX ( XX/XX/XXXX ). At this time, the inquiries have not been removed as requested.
Product: Consumer Loan

Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.
Product: Credit reporting

Paid {$29.00} for credit reports from XXXX credit bureaus through Transunion 's website. When purchasing these credit reports, they never once made it clear that I was enrolling in a 7 day free subscription in which I would be charged {$19.00} plus tax at the end of. I would have never agreed to these terms had I known. These terms could possibly be in the pages upon pages of terms and conditions but it is definitely not evident or displayed where they want you to see it and is very fraudulent for a reputable company like Transunion to participate in. Many others have complained of this on the internet. I think action should be taken and they should be held responsible for offering refunds to those scammed into this 7 day " free '' trial!
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Acceptance is a fraudulent company. That loan is paid off. I had to refinance to get rid of XXXXhem.They hold checks until the account is overdue and have their collectors call and threaten me. Then, toward the end of the month they apply the check to the account. It happened twice to me. I always paid on time and this report they gave of me being over 60 days on a loan is false. I had a credit score of XXXX and they have driven it down under XXXX for the first time in many years. Check my real credit history without Nissan Acceptance. This company should be investigated and shut down. I would be glad to testify to the true nature of this shameful company.
Product: Debt collection

For two and 1/2 years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
Compas recovery group has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report to Equifax for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a 2017 date are Fraudulent and should be removed according to the FCRA guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research my credit history. You can see that it was great until XXXX of XXXX. My Mortgage company ( XXXX ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

XXXX, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
Product: Credit reporting or other personal consumer reports

I recieved a copy of my credit report and noticed two accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've explained several times that this debt has been satisfied with the original creditor and this creditor has still placed this item on my credit report thus resulting in a lowered score. I've requested a debt validation letter and they have yet to provide proof that this debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I've tried removing this inaccurate reporting multiple times after Transunion says they are " investigating. '' they are reporting erroneous information and in violation of 15 usc 1681i and they are non compliant.
Product: Debt collection

I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XXXX XXXX, XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XXXX XXXX, XXXX ; Portfolio Recovery Associates added this account back on my XXXX credit report on XXXX XXXX, XXXX ; it states it is paid ; but it is still affecting me. Also as of : XXXX XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted Portfolio via email on : Twice, disputing their letter written to me on XXXX XXXX, XXXX. Both emails are dated : XXXX XXXX, XXXX, I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XXXX XXXX, XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
Product: Checking or savings account

I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address?

2 ) When entering XXXX routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? 

There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed an FTC notice to stop reporting fraudulent charges to Navy Federal Credit Union. Navy Federal Credit Union does not check the mail of the address that they listed on the credit report so I am uploading the notice here. 

Since Navy FCU is ignoring their mail. I forwarded the dispute to XXXX. XXXX refuses to submit the dispute to NFCU stating that they can not dispute a fraudulent item more than once. XXXX XXXX refusal to investigate new info is a violation of FDCPA I am making all efforts to avoid litigation. The erroneous information reported has caused me to be denied millions of dollars in Cares act funds and other credit, which is causing me millions in damages.
Product: Credit reporting

My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, TransUnion will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.
Product: Credit reporting

There was a collection on my account that was inaccurate and the company sent proper paperwork to have it removed but TransUnion has refused to update my account. I have payed many accounts to XXXX balance and reports and scores are not reflecting my current credit standing. I also have lots of old student loan accounts that were consolidated into XXXX accounts. The credit bureaus continue to reflect these accounts as open instead of closed. I have been diligent about cleaning up my credit but i need the credit bureas scores and reports to reflect my positive credit history.
Product: Credit card

We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.
Product: Credit reporting or other personal consumer reports

My personal information was used to obtain a student loan. Im not in school. I graduated from XXXX XXXX XXXX in 2013. I have not attended another university and do not plan on in the future. I have student loans under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a student loan. It has affected my ability to assess resources for my way of life.
Product: Credit card

I would like to report Chase Bank unfair practices and unfriendly consumer business practices. I had applied and received an approval for Chase XXXX XXXX credit card ( last XXXX digits XXXX ) in XX/XX/year>. 


I started using the credit card by charging to pay for my upcoming vacation, for the amount of {$2200.00} and {$2800.00} respectively on XX/XX/year>. 

Since this was a new credit card, I was not aware of the pending amount as I never received an email or a physical credit card statement. When I realized the time had passed but I did not receive the statement, I logged into the Chase account on XX/XX/year>, and saw a pending balance of {$5100.00} which included an interest payment of {$110.00}. I immediately made the complete outstanding balance. To my surprise the next billing statement had an additional {$85.00} interest charge and late fee of {$29.00}. 

I contacted the Chase customer service and XXXX to see if these charges can be reversed, the customer service agent was able to waive the late fees of {$29.00}. Unfortunately, the customer service agent and the supervisor could not waive the fees even after agreeing these were circumstances that were beyond my control. 

Due to the circumstances, I feel I should be given a one-time exception and the interest charges {$110.00} and {$85.00} should be waived. My record is impeccable, I have always made my payments on-time. These were circumstances that were beyond my control, I am XXXX XXXX and therefore my memory is not as sharp as it used to be. 

Looking forward to your help in resolving this issue. In case you need any further please do not hesitate to reach me.