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

In accordance with the fair credit Reporting Act XXXX XXXX XXXX, Capital One Auto and XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, Experian for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Product: Debt collection

Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX  asked me verified the account like not mine, but there is no way i can proof sometime is no mine.
Product: Debt collection

CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.
Product: Credit reporting or other personal consumer reports

According to Transunion 's response to complaint XXXX the following items were removed in XXXX. My most recent credit report shows that the following unauthorized inquiries are still reporting. Please remove the following items from my credit report : Inquiries : XXXX XX/XX/2023 TRANSUNION, XXXX XXXX XXXXXX/XX/2023 TRANSUNION, XXXX XX/XX/2023 TRANSUNION, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 TRANSUNION
Product: Credit card or prepaid card

I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts being reported on my credit that are inaccurate and I do not give Equifax written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 paymen t reported in 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. 


XXXX 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

XXXX XXXX XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to  only correspond by mail. This is total harassment! 

She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. 

She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. 


She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
Product: Credit card

I have a credit card with XXXX balances ; XXXX balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.
Product: Debt collection

I recently received a letter in the mail from credit collection services.. I requested a debt validation from this alleged company. The company has never responded back to the compliant that cfpb sent but the company. I received a phone call on X/XX/2017 from this company threatening me because I would not validate a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REFINANCED MY CAR WITH A NEW LENDER XXXX XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with XXXX late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported XXXX more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX, and Equifax is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes XXXX is reporting XXXX extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
XXXX reported my account closed in XXXX XXXX then reported it opened again in XXXX and added XXXX late payments XXXX is reporting XXXX late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is reporting Account status as closed. XXXX is reporting as paid. Equifax is reporting as closed 6. Equifax is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's XXXX and Equifax did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Account name : XXXXXX/XX/XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX XX/XX/XXXXYear History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act XXXX Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a 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. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Vehicle loan or lease

Wells Fargo was always paid on time no late payments that info is incorrect on my credit report and caused me a loan denial
Product: Checking or savings account

In late XXXX {$130.00}, XXXX was removed by FIRST REPUBLIC BANK from my checking account without my authorization and knowledge Personal banker XXXX XXXX and other FIRST REPUBLIK employees I notified stated that someone named XXXX XXXX arranged stealing and that my money will be returned to me. But that never happened. 
After Chase took over XXXX XXXX, XXXX was not returned and my loss is tremendous. I lost hope that I will never recover what XXXX XXXX took since Chase employed her. I am asking that {$130.00}, XXXX be applied to XXXX loan payments
Product: Debt collection

I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded by saying : In your complaint, you indicate that a bankruptcy continues to report on your credit report. You are requesting the removal of the information. According to our records, the disputed item does not appear on your personal credit report at this time. 

But this is STILL showing up on my credit report. Experian please remove and send a corrected copy of it being removed. As of XX/XX/2021, this is still showing up on my credit report. I have attached a file so that you can see it.
Product: Credit reporting or other personal consumer reports

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Checking or savings account

Subject : Response to ClaimIDXXXX, FLC CASE # XXXX, FILE # XXXX, XXXX, Letter dated XX/XX/XXXX + XX/XX/XXXX +CFPB XXXX dated XX/XX/XXXX + # XXXX + Office of the Comptroller # XXXX dated XX/XX/XXXX+ XXXX dated XX/XX/XXXX, CFPB XXXX, Federal Reserve Letter Dated XX/XX/XXXX, FTC # XXXX and USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear U.S. Bank, You will be receiving my Official Demand Letter today along with documentation to once again support everything i 'm stating on why U.S. Bank is incorrect, and ask U.S. Bank to provide documentation and evidence to support every statement U.S. Bank has firmly established as grounds to not compensate and reimburse me for my Claim. In addition to me asking once again, U.S. Bank to provide documentation on U.S. Bank 's " Investigation, '' which U.S. Bank has already failed to comply with FCR Laws and Regulations implemented and enforced by the FTC and CFPB for Identity theft victims such as myself. Everything will be explained again in the Documents U.S. Bank will be receiving today from the USPS, with the tracking number listed above.