23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Is still reporting fraudulent information. They have deleted and blocked this information over a 1/2 a dozen times. They have reinserted it illegally. The law 605B of the fair credit reporting act tells the CRA very specifically what they need to do with the claim of identity theft. Part A states they have to block within 4 business days of receiving the information from me. B tells the CRA they must notify the furniture sure of the information that the block was requested and that they blocked it. C is the most important section of this complaint. Its early warning breaks the law because C only gives them 3 reasons to rescind or decline a block. 1. Error. 2. Materially false info. 3. The CRA has proof that goods or services were received from the blocked transaction. None of these 3 things exist or valid, so when early warning removed the block they rightfully placed to begin with, they are IN FACT, breaking the law. XXXX has never responded to my complaint here because they know they are lying. Early Warning simply believes XXXX lies. I will include early warnings last 2 acts on this account, only two days apart. Also 605B of the FCRA, The notarized police report and id. All 4 parts of the law i need to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 the furnisher reported inaccurate information to the credit bureau, XXXX. It says the account is in collections but the account has been paid in full. The information reported is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX XXXX/comedity bank and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit  reporting agency letters every month since XX/XX/2020 to update my balance on my XXXX XXXX   account but still has not been updated since XX/XX/2020. The balance is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit reporting Act, National Credit Adjusters, ( Account number XXXX ), XXXX XXXX XXXX, ( Account number XXXX ), XXXX XXXXXXXX XXXX XXXX  ( Account number XXXX ), XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), Has violated my rights. 

15 usc 1681 section 602 ( A ). States I have the right to privacy. 

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Payday loan, title loan, or personal loan

I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX unfairly closed my credit card that I had opened since 2019 citing that I was late in one payment which I was absolutely not late. This resulted in a huge drop on my credit score. This is an unfair practice.
Product: Credit card

I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal XXXX ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Credit card or prepaid card

I submitted a payment on XX/XX/XXXX of {$300.00} which was later rejected. I was in the process of transitioning banks, so I reached out on XX/XX/XXXX as soon as I realized what happened and paid the {$300.00} immediately. I spoke with them via email to explain what happened. I had been a member since XXXX, and I was always on time with my payments. They waived the fee and the payment posted on XX/XX/XXXX. Today, XX/XX/XXXX I was notified by my bank that my Care Credit account had been closed. I looked through my email, as well as my Care Credit online account for a letter notifying me of an account closure and found nothing. I called Care Credit and was told that I missed a payment back in XX/XX/XXXX of {$93.00}. I explained that I made a payment on XX/XX/XXXX, one day before the payment due date of XX/XX/XXXX. I was told the payment was rejected because since the bill due date was a Saturday, it wouldn't be processed until the following Monday, therefore making it late and that it should have been submitted on XX/XX/XXXX. I received no message back then indicating this would be considered a late payment or to submit at an earlier date.
Product: Credit reporting or other personal consumer reports

It's important I don't have this account on my credit report because it doesn't belong to me and appears to be a scam. In order to correct these errors as quickly as possible kindly remove them to my credit report immediately.
Product: Mortgage

Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.
Product: Mortgage

Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. 

Please save me from long responses without answering the question.
Product: Credit reporting or other personal consumer reports

one of the companies for instant ( XXXX ) account had been closed and disputed, months later it shows back up on my report, saying i owe an inaccurate amount. another problem is XXXX XXXX on the XXXX plus inquires that are tremendously hindering my credit profile and ability to access to funding. Others are reports being showing that the information is inaccurate reporting and not reporting the same information across all XXXX bureaus.
Product: Debt collection

I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.
Product: Credit card or prepaid card

1.BANK OF AMERICA MASTERCARD XXXX XXXX XXXX XXXX UNLAWFULLY TAKES PAYMENT OF $ {$23.00} BUT REFUSES TO CREDIT PAYMENT WITHOUT CAUSE OR REASON. FINE BOA.
2. BOA DEMANDS AN EMAIL ADDRESS BUT REFUSES TO PERMIT EMAILS TO IT. ANOTHER HYPOCRISY. NO EMAIL ADDRESS FOR BOA. I GOT FOLLOWING MESSAGE There was a problem processing your request.
We are currently unable to deliver your Online Banking Alerts to the primary email address we have on file. To correct this problem, please visit the Profile & Settings page and update your information.
SO LONG AS I CAN NOT EMAIL BOA, BOA WILL NOT GET AN EMAIL ADDRESS FROM ME.
3. BOA REFUSES ME TAPERECORDING THEM BUT THEY TAPERECORD ME ON PHONE CALLS. WHO SAYS BOA CALLS THE SHOTS?
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BOA IS ANTISOCIAL. BOA GIVES THE LEAST REWARDS AND GIFTS AND POINTS BUT SUCKS OUT THE HIGHEST FEES JUST LIKE MBNA.
BOA PARASITIZES. BOA REFUSES TO LEND STUDENT LOANS BUT IS AT THE FOREFRONT OF FORECLOSING. A TRUE PARASITE.
NO OTHER BANK MAKES APPOINTMENTS WITH BANKERS FOR CLIENTS. BANKERS WHO GIVE THE LEAST SERVICE. THERE IS NO NOTARIZATION AVAILABLE AT PARK AVENUE SOUTH BOA.
BOA IS A TRULY PARASITIC ANTISOCIAL INSTITUTION WHICH PREYS ON THE POOR WITHOUT ANY REDEEMING SOCIAL CONTRIBUTIONS. ITS ALL TAKE, NO GIVE.
BOA DOES NOT DEFINE STANDARDS NOR MAKE THE LAW TO SUIT ITS STOCKHOLDERS. IT IS SUBJECT TO SCRUTINY. BRING BACK GLASS STEAGALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get in touch with XXXX, Transunion, and XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. The only company that responded back to me was Transunion ; they said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. To TRANSUNION, XXXX, and XXXX   According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquiries are a result of ( idenity theft- ) XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ( XXXX ) XXXX, XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXContact info XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX I Pleading for relief from these derogatory inquiries placed upon my credit files on all three bureaus be removed.
Product: Money transfer, virtual currency, or money service

Binance.US https : //www.binance.us/en/home I HAVE BEEN TRYING TO GET A HOLD OF THEM FOR 2 weeks straight though emails and social media. Their policy states no funds can be withdrawn out of their exchange until 7-10 business days have completed after ach transfer has been successful. On XX/XX/2021 they have sent an email showing a list of ach transfer that were supposedly a charge back/rejected in the amount of {$6000.00} by my bank on XXXX XXXX XXXX without explaining they have locked over {$24000.00} with of crypto assets without any respond to the 50+ emails and 100+ tweets besides an auto email respond stating pay to unlock the account functions. My bank statements and bank clearly shows no charge backs what so ever or any transaction ach charge back. And there never was any a charge back. Also I dont know if it makes sense to lock $ XXXX until I pay $ XXXX and whats even worse is that what is stopping them for coming back at me with numbers or amounts of made up charge backs after I pay what they are demanding to release what they are holding hostage. There is no customer support acknowledging the fact that this is a crypto exchange that shouldnt freeze a trading account for their own mistakes not mine also they could explain what is going on when a person tries to withdraw not two months later after there has been no issues and my last ach transfer was in the amount of {$5000.00} on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to refinance because there is a freeze on my account with Equifax which I would like to lift. Unfortunately, I am unable to access my Equifax account to lift the freeze. The login and password I have used in the past does not work anymore and every time I request a new password, I get an error message stating " The information you provided does not match our records. '' I spent more than two hours on the phone today with customer service to try and get this fixed. Unfortunately, the gentleman I spoke with did not know how to fix this issue. I asked to speak with a supervisor and he said none were available. I said I would wait and he disconnected me.
Product: Checking or savings account

I had an unauthorized usage on my wisely card of {$300.00} at a gas station and I reported it the next day. After multiple days of calling and waiting on nothing I got a letter saying to sign and to verify all I have said was true. I signed and sent out the letter at around XXXX, the next day I receive another letter ( without them receiving the first document ) saying that the case was closed and that no further action was needed as no fraud was detected. Every time I call I can barely understand the customer service person or they dont even help. Ive tried contacting XXXX who were the ones that issued the card at my job, no help either. I tried contacting the circle k where the transaction happened, no help either. Money is tight right now and dont know what to do about the stolen money. I cant even email them to keep track oc things everything is done over the phone with little to no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX and XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Can you reinvestigate my account and if it not 100 % correct can you remove from my credit report according to law 15 USC 1681i make sure everything is complete and accurate Get it motorized 2 provide me a description of how you verified those accounts 3 file a complaint Lay out details n facts 15usc 1681 Eb assure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

I made a CFPB complaint ID XXXX in regards to LexisNexis having incorrect information on my crfedit file. LexisNexis keeps playing thios I can not identify you game. I am in the process of being pre-approved to buy a home and this is hendering my process greatly. Me and my family are in the process of being homeless as I can not get the correct reporting from LexisNexis whom is also verifying incorrect information to XXXX XXXX and XXXX. I have attached my original complaint with my identification. Please respect my consumer rights. LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : 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. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information regarding the bankruptcy section of my credit report. The discrepancies outlined below violate my rights under the FCRA and unfairly impact my credit history. 

Identified Discrepancies Reference Number : TransUnion reports the reference number as XXXX, while other credit bureaus list it as XXXX, indicating an inconsistency in the information reported. 

Court Identification : TransUnion identifies the court as U.S. Bankruptcy Court, but another bureau lists it as US BKPT CT XXXX XXXXXXXX, showing a lack of uniformity and accuracy in reporting. 

Violations of the FCRA 1. Section 609 ( a ) ( 1 ) : I am entitled to a credit report that includes accurate and complete information. The discrepancies in the bankruptcy section demonstrate that this requirement has not been met. 

2. Section 607 ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy in the information they report. The inconsistencies in the reference number and court identification indicate a failure to adhere to this obligation. 

3. Section 611 ( a ) : Under this section, TransUnion is required to delete or correct inaccurate or incomplete information within the legally mandated 30-day period after a dispute is filed.
Product: Mortgage

I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. 
How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

XXXX I was pre-approved for the Kohl 's Rewards XXXX  credit card and I decide to get it because of the 40 % coupon. 

After being approved, the 40 % off coupon would not work. I made a purchase using the 15 %. 

XXXX I try using the 40 % discount on an order and receive a cancelled order email. I call the customer service number and get transferred a couple times. I am told I just I have to add everything back in the cart and repurchase everything again. 

2nd order gets cancelled. I call again and am given Capital One customer service number XXXX. I am then transferred to someone who tells me I need to call XXXX, which was the number I called to get to her. 

I then request to be transferred and they mention a U.S. representative and I said yes. I spoke to an agent, who was extremely helpful and realized it was the 40 % discount flagging my purchase order. She gives me a new coupon to use Now I go to checkout on the Kohl 's website with the new 40 % coupon and it's asking for the CVV to the credit card. Which I don't have yet, because I don't have the physical card. 

I am extremely disappointed in the technology and regretting getting the store card if it can not be used right away on the website.