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

XXXX  is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

Transunion fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you
Product: Credit card or prepaid card

I bought a {$500.00} VanillaGo visa gift card ( ending XXXX, Card issued by The XXXX XXXX  pursuant by a license from Visa USA Inc. Card is distributed and serviced ) at XXXX  in XXXX XXXX TX and I was able to check balance. Recently I checked the card again and it was not active. I paid {$500.00} for the card and I made at least 3 phone calls now about the card, it was very painful and frustrating process. 

I called on XX/XX/2020. The customer service representative told me that he will send email to " back office '' and ask them why it was not activated and he said the card should be activated in 48 hours. 

On XX/XX/2020, I checked the balance again and still shows the card was invalid and not active. So I had to call the customer service again. 

A lady took the call and said she will send email to back office and she was not clear on why the card was inactivated and she had no idea if the card was activated when I purchased the card. 

She said I would expect a phone call and I told her that this is a scam and the card issuer tried to steal my money, which is true. 

Now still unsolved, the quality of their customer serves was declining sharply during the last few months.
Product: Debt collection

My credit report shows a collection form your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX XXXX only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX  XXXX, XXXX XXXX  XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the following accounts on multiple occasions since XXXX 2020 using the identity theft methods made available to my by the local police and online resources. XX/XX/XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a notification message that, my PayPal Account is limited permanently, I have contacted the responsible company to resolve the issue to me, but up to now no feedback received on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Wells Fargo Auto a certified letter requesting written proof or a valid signature for a loan application made with XXXX XXXX which shows on my credit was an inquiry. Today, XX/XX/2022, I receive a letter from Wells Fargo Auto stating I applied for the loan. That is it, they did not provide proof or a valid signature and have refused to remove the inquiry which has violated my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

I have a HELOC with Bank of America that I obtained in XXXX. In XXXX of XXXX it appears they opened a checking account for me without my permission and now they're charging me maintenance fees on it because I do not use it. I don't have time to make an appointment with a branch or sit on the phone with customer service and I think they're taking advantage of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXXN ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # 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: Payday loan, title loan, or personal loan

In XX/XX/2022 i make One loan online for $ XXXXwas deposit a my account, my XXXX was recibe status payment for the Mony was deposite inXXXX, XXXX  my loan was for {$500.00}, i begain make payment payment every two weeks for {$170.00} today XX/XX/XXXX i make payment for {$1200.00} is over paid and now my due is {$1600.00} my due for One loan for {$530.00} is {$2800.00} mas {$170.00} my Bank no paid total the Mony is {$3000.00}. Is normal This fraude i need solution for this company. an stop Charges a my Bank for this fraude payment.Company Makwa Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX : XXXX XXXX XXXX My phone is number : XXXX Please update your records properly Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf
Product: Credit card

Bank of America closed up my credit card and didn't give me my rewards back and also they overdraft my business account.
Product: Mortgage

I was approved for a mortgage forbearance, due to XXXX, from XXXX, XXXX through XXXX, XXXX. I sold the property in XXXX, XXXX. In XXXX, XXXX LoanCare reported to XXXX my mortgage as being 120+ days delinquent. I am in contract to purchase another property and this inaccurate delinquency on my XXXX  credit report is preventing me from obtaining a mortgage commitment. LoanCare 's response has been inadequate. I need this issue resolved immediately or I risk my current contract becoming null and void if I do not obtain a mortgage commitment by XX/XX/XXXX. LoanCare should have never reported my previous mortgage as being delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that Equifax has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Equifax my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Equifax. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern Equifax and the rest of the consumer reporting agencies. I know that Equifax is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Product: Credit reporting or other personal consumer reports

I made several attempts to get access to my Transunion Credit report via : annualcreditreport.com however I continue to get a message stating : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 

Please request your report using one of the other options below. 

When I accessed the options below : " Request by Mail To request your free Annual credit report by mail download the request form Download Form opens in a new tab Request by Phone To request your free Annual credit report by phone, please call ( XXXX ) XXXX Call ( XXXX ) XXXX I still dont receive my Transunion Report. Ive called and sent a letter & still have not gained access to my report. When I called I was told it was in the mail. That was 3 months ago. 

Ive attached ID verification which includes my bank statement and a redacted social security card.
Product: Credit card

Last month I owed a small amount on a Bank of America Credit Card because it is my alternate card and I do n't use it much. I was 3 days late paying, but I paid the amount charged in full. Bank of America charged {$1.00} late fee, which they credited it back to me after I called but they did not consider that a payment, even though that credit zeroed out my account the same day as my payment. This month, I accrued some charges on my card and the statement period closed yesterday, XXXX. Today I see that they charged me 1 % of the total amount I spent for CURRENT month and called it INTEREST CHARGED ON PURCHASES. I am filing this complaint because this is a new fee that Bank of America has implemented and I was unaware of it until I had to call to have the fee removed. After this incident, I went back to check previous statements and I see that they seem to have started XX/XX/XXXX and first appeared as a number of {$0.00} charges on my XXXX statement and each monthly statement thereafter. They were {$0.00} line items so I did n't think much about them. I have had this card since at least XX/XX/XXXX. I did not agree to any changes in my account. They refunded me the fees, but I believe this practice is deceptive and is probably generating a good amount of fees from people not paying as close attention to their statements.
Product: Credit reporting or other personal consumer reports

I sent them the below letter because I want them to validate my debt.

To Whom It May Concern : I am writing in response to a notice I received regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including any information and documentation that substantiates your claim.

Please provide me with : 1. The name of the original creditor and details of the debt, including when it was incurred.

2. A detailed breakdown of any fees or interest that have been added to the original balance.

3. Copies of all documents showing that I agreed to pay what you claim I owe.

4. Verification of your authority to collect on this debt, including a copy of your license to collect debt in my state, if applicable.

Please treat this letter as a formal dispute of this alleged debt until you provide proper validation. Per FDCPA guidelines, I request that you cease all collection activities until this information is provided.

Thank you for your attention to this matter. I look forward to receiving your response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian, XXXX  and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. Experian, XXXX and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but Experian and XXXX refuse to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my consumer credit report on XX/XX/XXXX, without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. To avoid any of these penalties, I demand that these inquiries be removed immediately. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Regards, XXXX XXXX