23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Experian has violated my rights as a consumer by posting accounts onto my credit report that are incorrect - therefore they are operating illegally and violating my rights as a consumer, as mentioned in 15 U.S.C. 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2.

The letter attached to this complaint incorporates the issues identified in the CFPB lawsuit and references my rights under the FCRA to demand compliance and corrections. As you all have proven, this bureau does not conduct proper research into the disputes that we as consumers file, and as a result, I still have accounts that do not belong to me illegally reporting on my credit report. Please remove these accounts as soon as possible, as they have already cost me great distress by negatively impacting my credit score.

15 U.S.C. 1681, Section 602 ( A ) - Purpose of Consumer Reporting Agencies Under this section, consumer reporting agencies such as Experian must ensure that the information they report is accurate and complete. 

Section 611 ( 15 U.S.C. 1681i ), requiring that Experian investigate the inaccuracies and correct or remove the incorrect information within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to Experian I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

I request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 )  XXXX XXXX {$600.00}
Product: Checking or savings account

On XX/XX/2022, I submitted a bill pay request to Capital One to have a check for {$3400.00} mailed to my property manager for repairs. The funds were deducted from my account, and Capital One states that a check was mailed. However, the property manager informed me that he has not received the check and the bill is now overdue. 

I contacted Capital One about this on XX/XX/2022, and was informed the check they mailed has not been cashed but they would need to investigate the issue. 

On XX/XX/2022, I called to follow up on this. I was informed that the money would not be refunded to my account and there was no further action I could take. I was not provided with an explanation of where the funds are given that the check has not been cashed but the funds are no longer in my account. I was not provided a route to have this bill pay issue corrected or to have the funds returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Credit Card accounts were paid in full to Midland Funding and XXXX XXXX and I never received a payoff letter to report to the IRS for either account. This is a violation of federal tax laws.
Product: Checking or savings account

XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that I applied for a U.S. Bank XXXX XXXX account. 
XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that i applied for a U.S. Bank XXXX XXXX XXXX. 
XX/XX/year> XXXX EST - Called ( XXXX ) XXXX and told US bank that these were fraudulent and to close these applications and to not open anything with my name or social security number. This was a XXXX minutes and XXXX second phone call. 
XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that i applied for a U.S. Bank XXXX XXXX. 
XX/XX/year> XXXX EST - Get email stating that U.S. bank opened up the smartly savings application ending in XXXX. 
XX/XX/year> XXXX EST - Get email stating " Let 's add money to your U.S. Bank XXXX XXXX account. '' XX/XX/year> XXXX EST - Another email stating " Lets add money to your U.S. Bank XXXX XXXX XXXX " XX/XX/year> XXXX EST - Called ( XXXX ) XXXX Let them know these were fraudulent and that i had already requested that these be closed and to not open up anything else with my name or social security number. The person on the phone said that they can not close my account. 

After i called and told them not to open up anything in my name or social security number while these were still applications, they still opened up accounts the next day.If they would have cancelled those applications i would not have had any accounts opened up in my name.
Product: Debt collection

This company has sent several letters stating I owe a debt and they will offset my tax return if I don't pay them. I have not spoken with this company nor acknowledge any validity of this debt. I have been XXXX from the military for nearly 20 years and with my XXXX, the closure of my account at XXXX XXXX XXXX XXXX. These letters are threatening and concerning to my family and myself. Please take action as this is clearly a violation of the Fair Credit reporting act. Thank you.
Product: Credit card or prepaid card

Refer to Case XXXX Pursuant to the Fair Credit Billing Act, ( 15 USC CHAPTER 41, SUBCHAPTER I, Part D ) I have not received the following : 1 ) The transaction number / Order number for the transaction 2 ) Itemization of the items being charged for 3 ) The amount of the items 4 ) Total amount of the order 5 ) Method of delivery, phone number ( s ) and email ( s ) of both transactions Documentation was previously received, however it was not legible. No notice was received by me requesting reply to company response.

Based on the above, I kindly request that the complaint be reopened until the above is received. 

Files were upload to XXXX XXXX
Product: Debt collection

This morning, XXXX, I received notice through XXXX that I had a collection put on my credit report. Upon logging into XXXX I found an outstanding debt to XXXX XXXX and the collection agency, Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX, had attached a collection to my credit report. I have never lived a day in Texas, and have no family there. This is clearly fraudulent activity. 

I have had my credit frozen for several years so it is clear this energy company is not doing their due diligence to check credit reports or they would have seen my credit is frozen and they would have known not to open utilities in the thief in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Account XXXX XXXX -XXXX  Account # XXXX -XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I opened an account in  XXXX  of   XXXX   as an  XXXX   XXXX  member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on  XXXX   XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contacted TransUnion for the third time and requested they dispute and investigate items on my credit report such as hard inquiries that are inaccurate and I didnt authorize. They refused to investigate my dispute. I spoke with XXXX and she refused to transfer me to a supervisor. She stated that shes the supervisor and shes not investigating the inaccurate and unverified information on my credit report and I want those inquiries deleted immediately. This is in violation of the Fair Credit Reporting Act and I am aware of my rights. 

I would like the following inquiries to be removed as they wasnt verified and I didnt authorize these inquiries. These are not mine : - XXXX XXXX XXXX XXXX na - XXXX - XXXX XXXX XXXX XXXX - XXXX via XXXX - XXXX XXXX XXXX - XXXX XXXX local via XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX My next step will be litigation. If this isnt corrected.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of XXXX XXXX XXXX Date of inquiryXXXX & XXXXXXXX  Date of inquirXXXX
Product: Mortgage

As documented by the attached copy of Letters of Administration, I am the Court-Appointed Administrator of the Estate of XXXX XXXX XXXX, XXXX. XXXX XXXX had a mortgage loan from Bank of America ( BoA ), account number XXXX. About XXXX XXXX BoA received a check in the amount of {$8200.00} as payment for an insurance claim on account of damage to the house subject to the mortgage. BoA cashed this check without XXXX XXXX 's endorsement ( because he was XXXX ) or mine as administrator of his estate. We have a binding contract for sale of the house for an amount sufficient to pay BoA in full. For months I have requested BoA to either ( a ) send a statement confirming the payoff balance after credit for the {$8200.00} it admittedly is holding ; or, ( b ) confirm the payoff balance without credit, and send the {$8200.00} to the title company handling closing to hold in escrow to remit to the buyer upon closing upon paying BoA to total payoff amount. BoA refuses to respond. My request for resolution directed to a BoA department to which I was referred was answered with a form letter saying the matter is being investigated. My request to BoA 's CEO and senior legal counsel has gone unanswered. Copies of correspondence are attached. Closing of the sale has been extended awaiting payoff information, and is now set for XXXX XXXX. If we can not close then, the buyer will cancel the contract, and XXXX XXXX 's estate will incur significant loss.
Product: Mortgage

I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX
Product: Checking or savings account

Capital One has been underpaying interest on old grandfathered accounts. They are claiming that new ( identically named ) accounts have needed to be opened since 2019 to obtain higher market rates. So they are stealing huge amounts of customer interest by not updating interest rates in a rising interest rate environment. An old account with XXXX the balance is making less than half the interest of a newly opened account. At XXXX across various accounts for the last several years they have stolen thousands of dollars in interest from me. This is XXXX XXXX - level unethical behavior. I read today there is a class action on this beginning as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Product: Debt collection

I was in the process of applying for a loan that I need when my credit score dropped. I was alerted that a collection account from Credence Resource Management placed a collection account on my credit for XXXX XXXX XXXX. I have had phone service with XXXX for the past 7 years and I use XXXX for the past 5- so I have no idea what the account is in regard to but I never received a notice from XXXX XXXX  XXXX or the collection agency before placing the debt on my credit
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

Provided only one way to payoff loan ( mail certified check to a po box ). Once I submitted payment, lending organization states they have not received. Not being able to confirm payoff has allowed the lender to continue to receive monthly payments and hold on to Certified Check issued from my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was a creditor and unfortunately due to divorce I defaulted on this loan. I tried different ways to pay or negotiate the debt down. Eventually XXXX XXXX  stopped communicating and charged my account off. They wrote it off 2022. It was charged off {$0.00} due. This creditor updated my credit report in 2022 when it was charged off and my credit score took a XXXX point loss instantly. 4 other creditors did this charge off/write off and again around the same time frame which sank my credit score for months and months. As I worked to rebuild from this and a divorce my credit score came back up and I was finally able to get new credit and lower interest rates. The XXXX charge off and written off accounts started to resubmit the information it had already submitted as charge off before and hurt my credit by XXXX points but now did it again and again. A bankruptcy hits one time how can a charge offf debt continue to update as new and continue to bring your score down. Its written off, its not even recognized as debt for mortgage lenders because its already been charged off years ago and written off. Please stop these companies from purposely hurting credit over and over as a collection weapon.