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

I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through this document I let the competent authority know that I was a victim of identity theft. I reported what happened to the FTC and they gave me a receipt for me to send to the 3 credit bureaus ( XXXX, XXXX, Equifax ). Once I sent my information, the only companies that gave me an answer were XXXX and XXXX with positive results. I have been sending letters to equifax by certified mail and return receipt for months telling them that I have many credit inquiries on my equifax credit report and I sent them a copy of the FTC report and they have refused to help me remove those credit inquiries. I also noted in the FTC report that Equifax was reporting me collections, phone numbers and addresses that were not mine and that I had never had. in that part they gave me a solution by removing collections, telephone number and addresses. But in the inquiries ( credit questions ) they did NOT give me a solution. 
They sent me a letter telling me that they were going to investigate and in 30 days they would give me an answer. A week passed and they sent me a letter telling me that these credit questions were going to remain on my Equifax credit report for 2 years. And it doesn't seem fair to me that I've been sending letters for months and they don't help me and the truth is that I don't think they're investigating. I have spoken to them on the phone and they always contradict each other because each equifax worker who answers the call tells me different things. And I ask you to please help me. and I demand that those credit questions be REMOVED from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information XXXXXXXX XXXX XXXX Credit Trade Line To Whom It May Concern, I am filing a formal complaint about inaccuracies on my credit reports from Experian, XXXX, and XXXX concerning a trade line for a XXXX XXXX XXXX XXXX account. Upon reviewing my credit reports, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The specific issues are outlined below : 1. Discrepancy in Account Open Date : XXXX reports the account open date as XX/XX/XXXX, while XXXX and Experian report it as XX/XX/XXXXXXXX This inconsistency shows a failure to maintain accurate reporting across all credit bureaus, as required by the FCRA. 
2. Discrepancy in Credit Limit : XXXX reports a credit limit of {$0.00}, whereas XXXX and Experian both report a credit limit of {$1000.00}. This inconsistency is another violation of the FCRA 's requirement for accurate reporting. 
As stated in 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), credit reporting agencies are required to ensure the highest possible accuracy in the information they provide. Additionally, 15 USXXXX XXXX sets a {$500.00} fine for each violation by any agency that willfully fails to comply with these accuracy requirements. Each credit bureau has a legal obligation, as part of their agreements with consumers, to comply with these laws. 
By failing to maintain consistent and accurate information, Experian, XXXX, and XXXX are all in violation of the FCRA. This amounts to willful noncompliance, as defined under 15 USC 1681o, which states that any agency that is negligent in its duty to maintain accurate credit information is liable for damages. Additionally, 15 USC 1681s-2 specifies the obligations of information furnishers to ensure that the data reported to credit bureaus is accurate, which has clearly not been fulfilled in this case. 
Furthermore, the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) requires that consumer reporting agencies comply with all U.S. laws related to consumer credit information. The discrepancies highlighted above represent clear violations of both the FCRA and the Privacy Act of 1974.

Requested Actions : 1. Immediate Removal of Inaccurate Trade Line : I request the immediate removal of the inaccurate XXXXXXXX XXXX XXXXXXXX XXXX trade line from my credit reports with Experian, XXXX, and XXXX. 
2. Imposition of Fines for Violations : I request the enforcement of fines of no less than {$500.00} USD for each violation, totaling {$1000.00} USD for the two reported discrepancies.

Please confirm receipt of this complaint and provide a written response within 30 days, detailing the actions taken to address these inaccuracies in my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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
Product: Mortgage

Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.
Product: Debt collection

I'm submitting a complaint against Diversified Consultants, Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 30 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Diversified Consultants, Inc. ) authorizing ( Diversified Consultants, Inc. ) to collect alleged debt.

Show me that you are licensed to collect in my state, and provide licensed number if  you are
Product: Debt collection

Affirm Inc at XXXX XXXX XXXX FL XXXX XXXX XXXX CA, XXXX has been sending me collection notices in the amount of {$100.00} and {$150.00} the collections have been reported as past due balances. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was know plan in place when using my XXXX account through Bank of America to send money and receive money is why I am putting this complaint in.
Product: Checking or savings account

I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use.

I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no.

I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.
Product: Checking or savings account

From XXXX I was charged countless overdraft fees I would get paid and the day I got paid I would pay bills and for each transaction I was charged a overdraft fee even though my account was in the positive I ended having to use XXXX to deposit my check in XXXX it costed me my home and my car I was homeless for 9 months in XXXX and ended up getting a place to live and months later had to pay off the account for overdraft fees acquired due to the ongoing problems of the bank taking my money for overdraft fees after my accounts was in the positive and Id pay bills on pay day I went back to them in XXXX when I paid the account for the fraudulent fees and ended up closing that account because the same thing was happening basically I tried to reach out to Wells Fargo several times and even made posts about it on the official Wells Fargo XXXX page only to be met with promises that never ended up taking place
Product: Mortgage

We have a commercial loan with Wells Fargo. Loan # XXXX with a maturity of over {$900000.00} on XX/XX/2020. We were told by Wells Fargo that they would not refi and they would not extend the loan under any circumstances. We secured financing and began requesting a payoff on XX/XX/2020. It is XX/XX/XXXX and there is no response. We have a person named XXXX XXXX who admits knows nothing about the process. She referred us to her leader, XXXX. XXXX said she would escalate but now does not answer her calls. When we last spoke to them last Friday XX/XX/XXXX they did not know who the Title Company and Escrow officer was which leads us to believe there is no payoff in the works. We are now in jeopardy of losing our financing.
Product: Credit reporting or other personal consumer reports

requesting a identity theft block. i want to remind the company of my rights under the fcra. this is a block not a dispute. 

see attached
Product: Debt collection

I was recently notified about my social security number being on the dark web. As such i pulled my credit report from each bureau for review. I found a debt collection on my XXXX report ONLY from a company called Armada Corp for {$250.00}. 

I filed a dispute with XXXX and reached out to Armada. Armada could not give me any information about this debt without asking me to confirm personal information about myself or account. I stated repeatedly that i do not have an account with them. They seemed more interested in getting money from me than looking into my fraud dispute. 

I reached out to XXXX and they requested i send them a copy of my drivers license, social security card in the mail. When i mentioned not feeling comfortable putting those sensitive documents in the mail the agent applied pressure by reminding me that its affecting my credit report and it will take 7 years for the item to drop off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was served a court summons on XX/XX/2021 for a debt I do not owe with no proof other then an Amount and a Creditor name XXXX XXXX XXXX  XXXX. I have been getting several spoof calls and voicemails from LVNV Funding LLC at all hours and days.
Product: Credit card or prepaid card

I was notified by a third party service that my account was closed. I havent used the card recently and when I called to find out whats going on I was told to call XXXX. They would obviously have no idea why the account was closed. When I spoke to a XXXX she said it had to do with my outstanding balances on other cards and my mortgage hasnt reduced this year. My family and I were affected by XXXX and our mortgage is in forbearance. My credit card debt did go up a bit around XXXX but Im making my payments and I just made really large payments that havent been reflected on my credit report yet. I personally dont think this is fair and Im really angry I wasnt notified by synchronyBank. Im not XXXX the card, Im not making an excessive amount of disputes or really anything to be considered a bad customer. Im terrified that my other accounts with SynchronyBank are going to get closed and no one at the customer care centers can help. Ive spent so much time trying to talk to someone and no one has any idea what to tell me. My payment history with the company is great and I rarely carry balance on these cards but closing the account hurts my credit unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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 card or prepaid card

CAPITAL ONE BANK USA N is reporting late as reported in my XXXX and XXXX. Letscorrect this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Product: Debt collection

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Product: Debt collection

We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

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

I sent a letter on XX/XX/XXXX to remove collection accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX & I am including it again. 

U S DEPT OF EDXXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF ED/XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Account paid didnt transfer when switching to nelnet.