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

I began disputing the XXXX Bank, NA account that is reflected on my credit report, in XXXX XXXX with Equifax Credit Bureau. In XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX advising them that this account did not belong to me. As the report ( see attached ) from Equifax themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that Equifax delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XXXX XXXX, XXXX, I contacted Equifax by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact XXXX Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted XXXX Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my Equifax report. To my dismay, I was placed on hold in excess of XXXX hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/X/2017, I again contacted XXXX Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ; - Account XXXX XXXX # XXXX - Account XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX  sold my debt to midland credit management inc which hired a law firm to " sue '' me for amounts owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX minnesota. which sent a fake summons officer to " serve '' me with fake court documents with no clerk signature or court number in an attempt to scare me into a premature answer to summons. and just now XX/XX/2024 i just opened another huge stapled fake court document showing i owe more including court fees etc. i have yet to receive notice from XXXX XXXX court clerk of their intent to sue. they are just applying for default judgement before anything has a set date. its a very aggressive tactic for people who have violated the FDCPA in my mind with the fake summons with zero legit court credentials
Product: Mortgage

Loan was transferred from XXXX XXXX to LoanCare , LLC effective XX/XX/19. This was all well-communicated in advance by XXXX. I had already received a monthly statement from XXXX XXXX. I was unable to pay XXXX since they were no longer servicing the loan. There were issues, however trying to understand my obligations and pay LoanCare in a timely manner. First and foremost, I NEVER RECEIVED A XXXX STATEMENT from LoanCare or their subsidiary. I eventually figured out that I needed to pay them for XXXX when I tried to set up auto-draft on XX/XX/19 ( the first day that this was possible per their system ) and it told me I could not do this until I was less than 4 days in arrears on payment. How can they tell me I am behind when I never received a statement from them??? I paid on XX/XX/19 by telephone and then called them on XX/XX/19 to ask for a XXXX statement. I wanted this as documentation that I was supposed to pay them and for proper record-keeping. Their customer service could not provide it. They said I am to use the XXXX XXXX statement as my documentation. I responded that this makes no sense since I am paying LoanCare - not XXXX. They apologized and said they had no way to send me a XXXX statement. I then asked for an email as documentation and was told I would need to speak to a supervisor. I got a supervisor who then acted like she could not hear me and she hung up. Again : How can they expect to be paid if they didn't send out statements? I paid mine, but how many other people will miss their deadline because they never got a statement? Also, I do not know the terms of the transfer between companies. How do I even know if I really was supposed to pay for XXXX? Of course, I paid just in case because I figured it out, but their entire process of expecting payment without sending a statement just is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$17.00} ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IXXXX XXXXorm XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX form XXXX : XXXX XXXX AND XXXX XXXXorm XXXX : Application For Award For Original Information Overview with the XXXX XXXX XXXX against ALL entities involved.
Product: Credit card

I lost my Discover credit card and unauthorized charges were made on the account. I never made those charges and they told me I am responsible for the charges. I them I was not the person that made it. They question me why I did not report the charges earlier and I was going through difficult times and family problems. I only logged in to check my rewards balance and I did not view the statements. I do not use this card that often. I only made a payment towards my XXXX charges. They declined the response. XXXX from the executive office emailed me and told me he will be looking into my case and he did not. He did not email me back and the balance is still on my card. I canceled the card and will not be using the company anymore until this matter is resolved.
Product: Credit reporting or other personal consumer reports

I obtained my transunion credit report and found 8 unauthorized/fraudulent inquiries. From XXXX XXXX XXXX I obtained my XXXX credit report and found 8 unauthorized/fraudulent inquiries. From XXXX XXXX XXXX I obtained my XXXX credit report and found XXXX unauthorized/fraudulent inquiries. From XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been scammed using check that was sent to me to deposit in my bank account ( chase ). On XX/XX/2022 a man who have been calming to be my sugar daddy send me three different check one is XXXX then XXXX and another XXXX which I then deposit thinking its a real check. After I deposited the money in my bank account. It took two days for the amounts to be saying its pending then my bank said its on hold. I wake up today XX/XX/2022 to a negative bank amount. I have called my bank the day after I deposited the check to report the person is saying he will call to get his money back. Please help
Product: Mortgage

I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.
Product: Credit card or prepaid card

Chase freedom card was hacked on XX/XX/2022 to XX/XX/2022 and he used about {$1800.00} and the credit card fraud unit came back at me and told me that a person from your IP address used this card ending in ( XXXX ) and charging your card {$4.00} for 6 days to {$1800.00} and above so they said if I can prove that I did not use XXXX and XXXX XXXX we will drop the charges ad i will not be liable, It took me a few weeks to figure out how to do that but I got it and they talked to me a day ago and said now that I got the info they wanted was not enough for them and now they want phone records of my cell from them from the XX/XX/2022 to XX/XX/2022. So I sat on the phone and tryed to pull that up but it only goes back so far and my records are deleted and only shows a month and a few weeks only. I need help with this Chase Freedom credit card XXXX to delete the hacked money that was used to XXXX and XXXX XXXX. I was hacked 6 to 8 months back and I asked to not let any charges go to XXXX or XXXX XXXX and block them for me and they said they would but they did not and now they want money that was hacked from my card that I caught in a week and I went through my email and found one notice on the XXXX of XX/XX/2022 and I hit that was not me and I called them and this is how it started. XXXX XXXX ( XXXX ) ( XXXX ) XXXX
Product: Mortgage

We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank is refusing to send my credit reports to the credit bureau because my last name is just a single letter. 

I've been using the credit cards from Chase for many years and they never sent me any notification regarding to it, I only found out about this because I checked on my credit scores recently and called them about this issue. I've filed a complaint with Chase regarding to this, and I was told that because my last name is a single letter and it is not the letter 'XXXX  ', Chase would not send my credit reports to the credit bureau. They ended my complaint without giving any proper justification nor any actionable item to fix the issue. 

I've also called the credit bureaus ( XXXX  and XXXX  ) and they have confirmed that their systems have no problem taking single letter last name. I then opened up a credit card with XXXX XXXX  and they have no problem sending my credit reports to the credit bureau. So this confirms the problem is on the Chase side.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

certegy recommended decline payment transactions because their record indicate that there is negative information.That is blacklisting as seen on outstanding items there is no information on file. Federal law protects Social security and pensions and XXXX from collections, as banking regulations protect the account into which fedral funds are deposited
Product: Credit card

I have had a credit card with Bank of America for XXXX  years. Recently, the bank closed my account, citing inactivity for XXXX  months. They claim to have sent XXXX email and XXXX paper notices regarding the impending closure, but I never received any of the paper notices. Despite verifying that the address on file is correct, they closed the account less than XXXX months after supposedly trying to contact me about it. 

I did receive an email from the bank, but I believed it was related to another account for which I had requested a new card and made recent charges. The closure of this account, which I have maintained for over XXXX decades, has negatively impacted my XXXX XXXX. 

This is particularly concerning given my longstanding relationship with Bank of America. I have held over XXXX accounts with them for more than XXXX  years, including credit cards, HELOC, checking, savings, business checking, business savings, and business credit accounts. 

I would like the CFPB to investigate Bank XXXX XXXX handling of this matter, including their communication efforts, and assist in resolving this situation to prevent further damage to my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to remove XXXX XXXX XXXX. account from my credit report despite XXXX dismissing a debt collection lawsuit if filed against me and XXXX having no intentions of collecting this alleged debt. As previously stated, XXXX dismissed the lawsuit if filed against me and is subject to O.C.G.A. 9-11-41 in the event of any refiling which it has been almost two years since the original filing, so I don't believe there are any intentions of refiling. XXXX failed to respond to my discovery request made pursuant to O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ) and that would have to be addressed in the event of any refiling of the lawsuit. XXXX is also subject to O.C.G.A. 9-11-36. XXXX failed to respond to the request for admission therefore the matter is admitted pursuant to O.C.G.A. 9-11-36 ( b ) unless the court, on motion, permits withdrawal or amendment of the admission. XXXX 's failure to respond to the discovery request would have to be addressed in the event of any refiling of the same lawsuit. If XXXX refiles the lawsuit and dismisses it again it would serve as an adjudication upon the merits ( which is the same as a dismissal with prejudice ) and XXXX would be barred by law from filing any additional claims against me pursuant to O.C.G.A. 9-11-41a ( 3 ). XXXX is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit and some righteous obligation to report this account to the credit bureaus. TransUnion has an obligation to investigate and remove this account from my credit report because XXXX can not continue to use the courts to harass me and file and dismiss lawsuits.
Product: Debt collection

XX/XX/2022 received a phone call from XXXX XXXX XXXX XXXX. A person stating they are attempting to collect a debt owed to a medical center. The agent on the phone asked if i was ready to make a payment, I informed them that i was not comfortable giving out my financial information over the phone to people who call me. I requested that they send me paper work for the owed amount and where the bill was from and accurate information on payment types available to me. I received no paperwork in the mail. XX/XX/2022 phone call from XXXX another agent contacted me requesting i pay over the phone to them for a debt owed to them for a medical bill. I again stated that i would like to receive a letter stating the company 's name what debt they where trying to collect and options of payment, as i am not comfortable making payments over the phone to strangers who call me. I received no paper work or mail the following months. I received another phone call from the collecting agency this time from a number that is different that I do not remember or can find on my call logs. I stated I am not disputing whether I owe a debt or not that I am uncomfortable making a payment over the phone to a company that has not sent me any paper-work stating what debt I owe or giving me a option to mail in a payment or make a secure payment at a legitimate website. That i would like to receive a proper letter. Then the agent said they would send me something in the mail and that there was XXXX debts this company was now trying to collect. Today XX/XX/2022 I received notice of a " complaint '' that was filed on XX/XX/2022 in XXXX XXXX of residence. Although in the complaint it states the filing date is XX/XX/2022 it was not filed until XX/XX/2022 which is past the XXXX statute of limitations on one of the debts filed in the complaint.
Product: Credit reporting

The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account status will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Debt collection

Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.