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

I recently filed a complaint ( XXXX on XX/XX/2023 regarding my credit card. 
First National Bank of Omaha has submitted false information in response to your inquiry! I also recently learned FNBO was fined {$32.00} XXXX dollars for fraudulent credit card practices. 
I am enclosing documentation evidencing their false statements. 
FNBO first notified me they were reducing my credit limit which was without any justification. I have always made on time payments in the full amount posted on their online banking website. 
Next I received notice they were increasing my interest rates based on a lower credit score of XXXX when in fact my credit score is XXXX and has been as high as XXXX. Documentation enclosed. I get my credit score from another credit card institution for free! I'm also entitled to free credit scores as a result of a " breech '' of personal information from another source. 
Finally, they start harassing me about a recent payment in XXXX claiming I did not make the payment when in fact I did on XX/XX/XXXX. Due date was the XXXX or XXXX as I have 3 cards from this same institution. 
When I inquired, their response was a minimum payment issue, I paid {$250.00} because their website indicated a minimum payment of {$220.00}! 
They claim it was {$310.00} at that time which it was not according to their website. 
Now that I have filed a complaint with your agency, they informed you my minimum payment was {$270.00} ... ... ... .They are LYING!!!!!! 
I have complete documentation regarding all of my issue as I learned many years ago to always get receipts, documentation, and every other possible piece of evidence when dealing with American corporations! We never had these issues back in the XXXX 's ... ... .then came the XXXX 's and now we live in a world of corruption! 
I want any and all negative credit reporting removed as my payment was on time, higher than the minimum payment posted, and not as FBNO claims. 
My opinion given their recent credit card history, is they lowered my credit limit without merit and raised my interest rate as an excuse to advantage the bottom line of the bank. When I protested, they then began the " payment issue '' so as to post negative information on my credit report effecting my ability to access credit. They are right back at the same practices you just levied a {$32.00} XXXX dollar fine against!!!! 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please use ( XXXX ) XXXX for home phone ... ... ... your website won't allow me to " edit '' it to make the correct change! 
Please use XXXX XXXX XXXX XXXX XXXX, Fl XXXX as the correct mailing address!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Account # XXXX XXXX XXXX : My name is XXXX XXXX. Today I went to the location in XXXX on XXXX XXXX where I have been making my business loan payments since XX/XX/XXXX and found out that half of the payments that I have been making since XXXX have not been credited to my account. I have enclosed the statement from the branch and emails between myself and the law firm. In addition, I pulled my credit report today and found out that XXXX XXXX shows my account as being {$9000.00} past due with a balance of {$17000.00}. This information is incorrect. 

I have been making payments on my account since XXXX at XXXX XXXX branches. Paying this loan with my business closed and unemployed for most of XXXX and XXXX was extremely difficult, but I did. As a small food company, I was hit hard by XXXX. XXXX XXXX provided me with XXXX previous business loans that I repaid early. However, I struggled to repay the third loan due to a horrible experience with a co pack manufacturer, causing me to lose a large order to a major store. 

I would like to speak with someone at a branch who will correct my account, find and apply the missing payments, clarify why the interest rate is almost 10 %, and correct the inaccurate information to the credit bureaus, correct my credit report, and remove the returned check fees for payments that the XXXX branch on XXXX XXXX lied and told me they never received. I disagree with a judgement ever being placed upon me ; It was malicious and cruel and not necessary to punish me so severely financially after I had made successful early payments on XXXX previous business loans. This was especially cruel that it was done in XXXX. 

Yesterday I spoke with XXXX XXXX in Collections who I do no trust or believe will take this matter seriously. Therefore, I am writing to you and asking that someone else assist me. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter on XX/XX/2021 via mail to Equifax to have them investigate two ( 2 ) items from my credit report. I also requested an updated copy of my credit report and I have not received it. Company failed to respond to any of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have private and student federal loans with XXXX. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident.
Product: Checking or savings account

I was in a life threatening accident in XXXX of XXXX. I was admitted to hospital because I had bleeding on my XXXX. I had XXXX XXXX and was in a XXXX to give my XXXX  and body time to heal. I was in the hospital until XXXX of XXXX and prior to this I did not leave. When I got home in XXXX of XXXX I came to realize my boyfriend at the time of the accident emptied out my bank accounts. He filed my taxes fraudulently and had them deposited into a credit karma account. He also completely took over this account. He had my phone, my is, social security card, all my banking information I mean He had everything. He completely stole everything I owned and evert dollar I had. Even my clothes and my childrens stuff. When I found out I immediately called all the banks and made police report and identity theft report and when I contacted credit karma and reported the theft the lady said everything was filed and I would get my money back in less the 9 days. This was on XX/XX/XXXX she also stated they would be contacting me to get my supporting documents. On XX/XX/XXXX I saw on the account that the dispute was closed. It didn't say why so I called credit karma and the man said that he escalated my complaint and that he was going to help me out and make sure I got the provisional credit but this would be no more then 15 days. He also said they would be contacting me for my supporting documents. On XX/XX/XXXX I saw that there was an jpeg attached to the transactions on the credit karma app and so I took a look and it was letter from credit karma saying that my dispute was not valid because the transactions were all authorized. I felt so terrible I have been in tears since. This man stole my identity and I feel like they are letting him get away with it. I have never been treated so awful in my life. They never even contacted Me or asked me for my supporting documents. I would like to speak to whoever I got too because I would like to take this to court. I was in XXXX I don't know how I could have authorized anything. One of my doctors discharge notes were do not put my XXXX  at any risk and avoid situations that cause large amounts of stress because it's so important for my XXXX  to continue to heal and large amounts of stress can alter the healing process this is also included in the note inhave from my Dr that's certified to credit karma stating that I was in hospital and in XXXX during the charges and I could not have authorized the charges. Credit Karma never seen that because they have no contacted me about the disputed transactions. Since I got out of hospital I have been under huge amounts of stress because I had everything stolen from me and I don't have way to even buy groceries and I can't work because of XXXX XXXX XXXX so I am just stuck and can't even get the money back that eas stolen from me. I have huge headaches and all I do is cry its awful. I pray to God someone hears my story and sees how wrong it is and helps me. All I want is my money back. {$2400.00}
Product: Debt collection

To Whom It May Concern at Schreiber Law LLC, I am writing to formally address a serious privacy concern regarding the delivery of sensitive documents by your office. On Sunday, XX/XX/year>, I observed an individual walking into my driveway carrying what appeared to be a rolled-up packet of papers. Shortly thereafter, I received a call from my mother-in-law informing me that she had discovered and opened a roll of documents left hanging on my doorknob. 

These papers contained sensitive personal and financial information related to an alleged debt. The delivery method not only left the documents exposed to weather conditions ( including rain ) but also allowed unauthorized individuals, including my in-laws, to access private details about my financial situation. 

This method of delivery raises significant concerns about the security of my personal information and appears to constitute a breach of privacy. Proper handling of such documents, particularly those containing sensitive financial details, is essential and expected under professional and legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
Product: Credit reporting or other personal consumer reports

Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Account- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied application for credit with PENFED credit union and received a denial letter on XX/XX/2020.On XX/XX/2020.I received another denial letter dated XX/XX/2020.I NEVER reapplied for credit or asked to be reconsidered.I don't care what PENFED will say but I NEVER asked to be reconsidered.They did this without my consent and violated the FAIR CREDIT REPORTING ACT.I don't know why they would do this
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans union credit report company gave false info about me to XXXX XXXXXXXX XXXX on my credit report. As a result of their false info, I was denied bank services. On XXXX reference XXXX XXXXXXXX. They also dont answer any phone calls to fix their own false info. They falsely stated the following : percentage of recently open trades ( I dont have any trade open and I do have one credit card during that time, time since your oldest revolving card account opening ( I never had any issue with any account before ), low revolving credit limits on your credit report ( my credit limit with discovery was {$3800.00}, I called them and asked them to lower it to XXXX, and I dont have a low credit score, )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

Credence RM {$250.00} XX/XX/2023 Fraudulent account This debt is not mine/responsibility with said debt collection agency. No original contract provided between myself and said debt collection agency. I am disputing this debt with said agency, revoking all harassing calls text email in result to reporting violations to CFPB. Requesting validation of purchase and agreement between myself and said collection agency. furthermore, credence rm is in violation of consumer law.

12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a )
Product: Mortgage

I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for help.
Product: Credit reporting or other personal consumer reports

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


Equifax 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: Debt collection

I'm in an active case with Attorney XXXX XXXX and XXXX, XXXX. 
15 USC 1692 ( a ) ; attorneys or servicers acting as debt collectors have NO LEGAL standing to intiate legal proceeding GAACP My privacy has been invaded by a third party ( Attorney ) It has been around XXXX months on this case and emotional stress plays a major role. Back an forth to court not able to use MY PROPERTY has been a burden on my family. It needs to stop. The automobiles registration has been renewed twice and has been fully insured the entire time I have not been able to use and again a burden on my family. 
FDCPA put in place to protect the public from fraud and various other deceptive methods in practice still today. 
I was never disclosed from the dealer also the XXXX XXXX Discharge by Cancellation or Renunciation ; this company sent me info that my debt was CHARGED OFF ON THERE RECORDS. Ally did not provide me with a XXXX to even properly do my taxes. 
XXXX XXXX. XXXX Bad debt Deduction, then want to come after me for my property. 

Just Wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.