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

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX,XX/XX/XXXX shows XX/XX/XXXX and XX/XX/XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial for credit notice from XXXX XXXX   in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called XXXX XXXX XXXX ( XXXX ). XXXX said XXXX sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. XXXX had no authority to request XXXX XXXX  to pull my credit.
Product: Debt collection

I have reached out to Receivable Management several times direct and through credit bureaus to dispute accounts listed on credit. Accounts listed are in violation of HIPPA. I have requested verification several times and only information received is verification. When submitting dispute with bureaus dispute letter, ID verification was submitted and it has been times when company never responded and others just verified. I have faxed company directed dispute letter as still no validation was sent and company completed violated per HIPPA. I never signed or gave authorization. Please have accounts removed from credit reporting per violation of HIPPA. ) {$420.00} and {$260.00} are the two amounts reflecting on my credit in ERROR!
Product: Debt collection

Years ago i disputed this account that is not mine with Portfolio recovery. At the time i was told they would remove it from my credit reports as it was not mine. Well years later here we are and i am applying for a mortgage and i find out this account is still on my credit reports. This is outrageous. I disputed it with the credit bureaus recently and they have " Verified '' that the account is accurate. I am so mad right now. I need this account that is NOT mine removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with.XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX XXXX for the month of XX/XX/year>, XX/XX/year> be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit card

On XX/XX/XXXX, I received an alert from Bank of America about fraudulent transactions made with my credit card, and I immediately contacted the bank and started a dispute. The charges were : XXXX 's # XXXX XXXX XXXX XXXX {$71.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have contacted the bank several times about this dispute, and they, like a game, proceed to provide me with a credit for the fraudulent charges and later they put the charges back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Product: Checking or savings account

I initiated a {$7000.00} withdrawal to my external account on XXXX. I was given no indication that there was a problem with this transaction. On XXXX  I chatted with Goldman to inquire as to why the transactions was still " pending. '' I was advised that it had been " flagged '' and I needed to call in. I was never advised via email, call, text, etc. that this transaction was never going to actually go through and I have been waiting blindly for a week for access to my funds in my external account. 

I called customer service at XXXX three times on XXXX  After speaking with the initial agent, I was told that I needed to " verify '' the transaction and that I would be transferred to that team. All three times, I was never spoken to again after being transferred and each call I sat on hold 1.5 to 2 hours with no acknowledgement. 

On the third call, I advised the initial agent that I would just like the transaction cancelled at this point so the hold on my funds would be released and I could just initiate the transfer from my external bank instead. I was told they can not help with that and placed in to the same call queue even though I advised her I would be filing this CFPB complaint if the same thing happened again, which it did. They seem to either just not care or the first line agents are not provided sufficient internal training to understand what that means. 

At this point I have no access to my funds and no ability to speak to anyone about it to solve the problem since there are no agents accepting the call.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Debt collection

Receiving communication from halstead financial services for XX/XX/XXXX 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$560.00} However, all of the electronic communications i have received from them, which is the only form of communications i received from them is addressed to a " XXXX ''. Have contacted the company seeking debt validation and have gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business called XXXX XXXX XXXX XXXX XXXXXXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when Chase and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Product: Vehicle loan or lease

Capital One Auto Finance did not provide me with any documents prior to the reposession nor did they provide notice of sale after my car was repoed in 2019. The company violated my consumer rights UCC a 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

a ) [ " Notification date. '' ] In this section, " notification date '' means the earlier of the date on which : ( 1 ) a secured party sends to the debtor and any secondary obligor an authenticated notification of disposition ; or ( 2 ) the debtor and any secondary obligor waive the right to notification. ( In which, I never waived my rights to notifications ) b ) [ Notification of disposition required. ] Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 shall send to the persons specified in subsection ( c ) a reasonable authenticated notification of disposition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. Transunion, XXXX XXXX XXXX continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, Transunion, and XXXX have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.
Product: Debt collection

I called ProCollect on XXXX XXXX XXXX XXXX I believe all their calls are recorded. As I was speaking to the lady trying to negotiate a payment plan or settling she yelled at me informing me that their company doesnt settle. She wasnt even letting me speak half the time. I told her I couldnt pay the full amount of my debt but I could pay 50 % on XX/XX/XXXX. She told me again no payment plans, so I told her that the collection is just going to sit their longer because I cant pay the full amount and she said well that is going to keep damaging your credit because we wont settle.
Product: Mortgage

We have been paying our mortgage regularly, but the balance has not changed and our monthly payment is being increased, even though it is a fixed rate mortgage and even though we are making our payments. We have been asking for copies of paper work so we can refinance with another company, but the current mortgage company claims that it doesnt have copies and only sends the first page claiming that it doesnt have the rest of the paperwork. We get the runaround when we call them and disrespect from the persons we may talk to when we are finally able to get through. I have lived in this house for XXXX years and I am tired of being mistreated
Product: Credit card

A {$5200.00} transfer was attempted by an unknown entity in early XXXX. We notified XXXX immediately that it was unauthorized and have filed disputes with the reporting agencies. The charge has reduced my credit score by about XXXX points and I do not know whether XXXX has removed the disputed amount ( the entire balance on the account ) from the account. The credit cards charged have been destroyed and replaced, but we are still waiting for more information. We have frozen all of our credit with all the reporting agencies and checked with our banks to make sure nothing has been attempted on those accounts.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  offered grace periods during Covid XXXX. They ensured that this would not impact their customers credit by offering this special grace period. I have made my payments on time and I need my payment history to be updated as my payments being made 100 % on time.
Product: Credit reporting or other personal consumer reports

This company is violating the securities exchange per their own prospectus filing. They are committing securities fraud, IRS tax evasion, and their fiduciary duty to me as an investor. They are ignoring my request for all accounting public, and private according to GAAP. I have sent them a certified mail return receipt letter asking them to validate the debt. They ignored it! I have let them know in writing that they this contract is in dispute until they comply with my requests. I have purchased a forensic audit XXXX report which will be used in equity and law court in Delaware. I have removed their POA through the IRS, as well as sent them a notarized letter with two witnesses revoking POA. They are running a Ponzi Scheme. They can not report late payments as this account is in dispute since it's inception. THE EXAMINER RECOMMENDS, immediate production of document and review of ALL purchase documents and then notarized Agreement endorsements among ALL relevant parties.
Product: Debt collection

This complaint is in regards to a company falsely claiming to be another company in Pennsylvania. This complaint is in regards to : AR Resources , Inc XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX This company has consistently harassed me for over six months with robo calls. When I call back, they shout a social security number, address, license number, date of birth, etc., without verifying who I am. When I ask about the alleged debt, they hang up on me. They consistently violate all Fair Credit Billing Act rules. They refuse to stop calling, refuse to provide any information about the creditor, amount, and their contact information. They use abusive language and if contact or further credit reporting continues, I will be filing a civil suit. If contact still continues, via robo call, mail, or phone call, I will proceed with criminal harassment charges. 

I am now doubtful that this is actually a legitimate company and not a scam. To give personal information before a caller even identifies themselves constitutes identity fraud which I will be pursuing.
Product: Checking or savings account

Subject : Formal Complaint Against Bank of America Fraudulent Correspondence, Financial Mismanagement, and Security Failures I am submitting this complaint against Bank of America due to their ongoing negligence, fraudulent correspondence, financial mismanagement, and failure to provide adequate security for my account. These issues have caused me severe financial hardship and distress. 

XXXX. Fraudulent Correspondence & Misrepresentation I have received multiple fraudulent emails and documents from individuals claiming to be part of Bank of America 's resolution department regarding my account ending in XXXX. 

These documents contained misleading information about my claims and provided contradictory details about the status of disputed transactions. 

Upon calling Bank of America, representatives either denied the existence of such correspondence or gave conflicting explanations, raising concerns about internal fraud or miscommunication within the institution. 


XXXX. Financial Mismanagement & Mishandling of Disputed Transactions My account has been subjected to unauthorized transactions, which I did not make or authorize. 

Despite reporting these fraudulent charges, Bank of America failed to properly investigate, provide clear responses, or reimburse the funds. 

I have received multiple inconsistent responses from their representatives, leading to further confusion and financial distress. 

Bank of Americas mishandling of my case has caused significant delays, leaving me without access to essential funds needed for living expenses. 


XXXX. Security Failures & Lack of Proper Protection Bank of America has failed to implement security measures to protect my account, despite my repeated requests for enhanced safeguards. 

I have been a victim of identity theft, yet Bank of America has refused to take proper action to secure my financial information or provide fraud protection. 

Their negligence in handling security breaches has directly contributed to ongoing fraudulent activity on my account. 


XXXX. Requested Resolution I request that the CFPB investigate Bank of Americas practices, specifically : A full refund of all disputed and unauthorized transactions on my account. 

A review of the fraudulent correspondence and an explanation of how such misrepresentation occurred. 

An audit of Bank of America 's fraud prevention measures to determine if they are adequately protecting customers. 

Compensation for financial damages and distress caused by their negligence. 


I have attached all supporting documents, including copies of fraudulent emails, statements showing unauthorized transactions, and records of my correspondence with Bank of America.
Product: Credit reporting or other personal consumer reports

My account with SELF/SSTATBK was never late! I have had exceptional payment history witH SELF/SSTATBK and all payments were placed on Autopay. 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 in XX/XX/2024, to be removed. 

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. 


SELF/SSTATBK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Attachment show when account was transferred in XXXX, they say it was reported late in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, Equifax and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 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 was looked at my credit report and they are showing inaccurate incorrect information when it comes to my name address and date of birth and phone numbers. I tried disputing it on the 3 bureaus website but they blocked me from doing it.

Make sure to update my correct name and update my current address.
Product: Money transfer, virtual currency, or money service

I have tried to input new bank account numbers to be able to get my funds from them selling my XXXX  without my permission. They keep telling me to go to the app to do that! IKEEPTELLING THEM THEY CLOSED MY ACCOUNT AND I CAN NOT GET INTO MY ACCOUNT!! and they send the same XXXX XXXX answers over and over and over.