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

On XX/XX/2015 XXXX XXXX XXXXXXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, ONEMAIN add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX BANK XXXX. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as they inaccurately label me as late when I have consistently been on time.
Product: Credit card or prepaid card

Two complaints. Amex is changing my interest rate retroactively on older purchases. I understand they can raise my rate at any time, but that should be the new rate on new purchases. They are changing my rate on old balances, which feels like it should not be allowed. The second, larger complaint. They have explained to me that because I am carrying a balance, I am being charged interest on purchases I make today ... starting that day. My understanding is that you get charged interest on balances that you carry over to the next statement period without paying off. They are telling me that if I make {$1000.00} of purchases, make a payment for {$1500.00}, meaning I paid for all my current purchases and paid down {$500.00} toward the old balance, I still got charged interest on the {$1000.00} of current purchases that were paid in full prior to the first payment due date after the purchases were made. If that is legal, it should not be. That is predatory. You should not be able to charge someone interest on purchases they pay off the first time you ask them for money. If I have a statement balance of {$1000.00}, and I pay {$990.00} and leave {$1.00}, I should get charged daily interest only on the {$1.00} remaining balance ; not every single purchase I make from that point forward until I pay the balance in full.
Product: Credit reporting or other personal consumer reports

XXXX was notified that an account in my name was opened as a result of identity theft. Even with the notice, they refused to remove the error. XXXX was provided with multiple police reports and XXXX report showing their account was a result of identity theft. XXXX, despite clear and adequate documentation, has refused to remove the error. I have placed multiple calls and enaged in multiple conversations with XXXX escalation department to resolve the matter. The only option I was given by XXXX, was to settle the dept even though it wasnt mine. The account was accumulating lates and damaging my credit and with no other options I agreed to settle the damagign account to my credit. I was told that the account would immediatly be removed from my credit by the next month if I agreed to this fraud settlement. Well even after settling this fraud charge to stop the bleeding on my credit, XXXX still did not remove the error and it has continued on my credit for several months due to XXXX 's lies and clear negligence! 

Experian credit reporting was also involved in this deception. Experian with legal obligations to protect the consumer did nothing to protect me as a consumer. I contacted XXXX on multiple occasions regarding XXXX identity theft scandal and XXXX did nothing to resolve the matter even after following the outlines of their policy. I was told to send a police report or FTC report of Identity theft and this would be used to block the fraudulant charges. XXXX recieved the police report/FTC report and did nothing to remove the fraudulant account. Till today, XXXX has continued to break the law and remain complicit in the Identity theft fraud they continue to report illegal with XXXX. They also continue to report another identity theft account from Sallie Mae despite recieving clear documentation of fraud. 

Sallie Mae has been directly notified of a seperate identity theft purchase by a likely family member and they have continued to report the inaccurate information along with XXXX. Despite both organizations recieving legal notification from the federal trade commision that they are reporting incorrectly due to Identity theft. Both companies continue to break the law and the Fair Credit Act by actively being complicit in illegaly reporting a known error.
Product: Mortgage

Bank of America 's collection group starts calling on the XXXX of the month if the monthly mortgage payment has not been posted on the XXXX of the month. The terms of the mortgage is that the payment is not late if it is received by the XXXX of the month. All payments have been paid before the XXXX of the month.
Product: Credit reporting

I have XXXX chapter XXXX bankruptcy on my credit report that are over 7 years old and this credit bureau Equifax refused to remove it and it is only reporting on this credit bureau I fill this is against the law and I have rights.
Product: Debt collection

I keep getting debt collections calls and texts for someone who had my cell phone # at least 5 years ago or longer. 
I do not know who this person is and this harassment is endless! 
Obviously he got a different # so he could avoid these calls. 

When a new cell is purchased we are not given a choice on the cell # we receive.
Product: Credit reporting or other personal consumer reports

My 3 credit bureaus XXXX, Equifax, and XXXX have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak English and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.
Product: Debt collection

1. On XXXX/XXXX/XXXX, I noticed a collection account listed on my credit report for {$4000.00} through the XXXX  credit reporting agency. 
2. I have contacted the original creditor ( XXXX XXXX ) and could find no evidence of any sold balance for {$4000.00}, which is a violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
3. The information has been reported to XXXX credit bureau as a 1 month term account, which is an FDCPA violation. FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt.
4. The information has been reported to XXXX credit bureau as a closed account when it should be reported as a collection account, which is another violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
5. Portfolio Recovery Assets has engaged in collection behavior that violates the Texas Finance Code Sec. 392.302, subsection 1 and subsection 4 by engaging in a large amount of repeated phone calls in which the caller does not identify themselves.
Product: Credit card or prepaid card

XXXX credit card had closed MY CREDIT CARD ACCT WITH OUT MY PERMISSION. 

XXXX credit card had closed MY CREDIT CARD ACCT WITH OUT MY PERMISSION. 

XXXX XXXX XXXX Bank had decrease my credit limit not once BUT TWICE with out my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Mortgage

We have tried numerous times to remove cosigners and have been informed that the amount that will be required would be for closing costs. This is not a purchase, only an assumption of the loan. They are requesting costs that they say are closing costs however they are state excise taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to fix this issue many times through disputes. My account has been paid off for several years and closed. Creditors are not legally obliged to report at all. It's a voluntary practice. I am requesting that this harmful account not be reported to the major bureaus anymore.
Product: Credit card or prepaid card

In my previous CFPB complaint XXXX, I asked a question that I was told by American Express representative that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. I believe I should still have the opportunity to redeem my remaining reward point via transferring to a pre-established partnership airline award program, or other methods other than gift card redemption. I have more than XXXX points in total to redeem, I want to transfer these points to XXXX XXXX points that i have pre-established the transfer before. However, I was told I can not redeem this way, only option i have is Gift card redemption. American express closed the complaint without providing answer to this question.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do. 
The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/2019 I submitted disputes with XXXX  and Experian for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX is reporting a fraudulent XXXX account that is in violation also.
Product: Money transfer, virtual currency, or money service

I had fraud and scam issues and I did report those to several occasions to cash app they did try to help but money was used on my card.
Product: Credit card or prepaid card

American express has closed my credit card and refuse to refund the credit balance on my account due to their XXXX bias against me. 
When I called them to request this credit they insulted me with XXXX slurs.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite my initial request and the provision of supporting documentation, the inaccuracies have not been resolved. This letter serves as my second attempt to request the removal of these fraudulent items and to express my continued concern regarding their presence on my credit report. 

I can not overstate the importance of resolving these fraudulent items promptly. Their presence on my credit report continues to harm my financial well-being, making it difficult for me to access credit, loans, and other financial services on fair terms. 

I kindly request that your bureau conducts a thorough investigation and removes the fraudulent items listed above from my credit report as soon as possible. Additionally, I urge you to provide me with a written explanation outlining the steps taken to correct these inaccuracies, along with a timeline for their removal. I need clarity and assurance that this issue will be resolved without further delay.

If these fraudulent items persist on my credit report after this second request for correction, I may have no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. These fraudulent items should be deleted by Equifax and XXXX Credit Bureaus : 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 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, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2022 and found multiple hard inquiries, that I did not sign or agreed to. 
I called Experian on XX/XX/2022 and asked them to remove the hard inquiries and he said that I don't have any hard inquiries on my credit report. I talked to my Mom, and she said to do a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate account is reporting on my credit file : XXXX/XXXX   XXXX**
Product: Debt collection

I tried emailing XXXX XXXX XXXX but have not gotten a response from them. I have also tried reaching out to debt collector USCB Corporation, to no avail. I've sent emails requesting proof of my debt and when I agreed to this and have gotten no response from them. I am currently trying to fix my credit report and want this off my credit as I have not gotten a response from either company. I have no idea of what I owe this debt for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian, XXXX XXXX XXXX back in XXXX of 2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Product: Debt or credit management

I signed up for the VIP service through TomoBoost at {$99.00} a month using my XXXX  card under the email account of XXXX. My understanding was they would submit a tradeline to the 3 major bureaus to help those whom might have had credit shortcomings. For my, short credit history was the thing. Their tradeline would have 24 months or history and would report around XXXX as a tradline so what would help with utilization as well. 

With all of us, life happens and I lost track of this however the tradeline has never appeared. I reached out to TomoBoost in XXXX via email and they told me they were looking into it, still nothing showed up. I started reaching out in the last week asking for a refund because i have spent close to XXXX and haven't gotten anything in return. Even when i asked to cancel, they kept trying to " offer '' me more months however keep in mind, i haven't gotten what i paid for yet. 

Their website provides no way to cancel. They have no one you can call to speak to and voice your concerns. All you can do is email them and most of them time the responses sound scripted like its from a robot ( not even AI ). 

This is unfair how they take advantage of people. I'm sure I'm not the only one. I just want my money back. I have offered to show them my credit reports which will identify that there is NO tradeline from them on there. With all that is going on with the economy prices on things, these scammers shouldn't be allowed to do this. 

I just want my money back ( XXXX ) because regardless of what they say they did, i never received it and can show it. 

I believe they are scammers. I'm attaching the charges from my XXXX  card. I can provide my credit report copies if needed and i just pulled up to date copies from XXXX ( got all 3 from there ). 

Please help Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX bankruptcy was filed and completed. The problem is that the information in the XXXX  XXXX bankruptcy that was supposed to be deleted from the file is still showing as being late when it was supposed to be removed. I need this information removed immediately so that I can start to rebuild my credit. This inaccurate information is causing me more than a 100 point increase.
Product: Debt collection

Diversified has filed an illegal collection and have not properly verified. I have asked for the proper verification, including copies of my contract that I signed and copies of the contract signed with the original creditor. This company has failed to properly verify which is illegal according to The FCRA Statutes. This collection was deleted from XXXX XXXX XXXX and needs to be deleted from XXXX immediately. According to TX finance code, the company has to disclose how they came up with dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the company Receivables Performance, a collection company flagged my credit report for collection. The alledged amount is XXXX. The alledged creditor is XXXX. 
On XXXX, I opened a Fraud/Identity theft case with Receivables Performance.I advised this company, I have no knowledge of this account, that I have never conducted business w XXXX and requested documentation supporting this alledged account to be sent to me. I was advised by Receivables Performance that a letter will be sent to me, detailing how to initiate a fraud investigation. Fraud report # XXXX was opened. I was advised not to contact XXXX. 
On XXXX, at XXXX, I initiated a phone call to XXXX. I spoke to XXXX a XXXX representative. I advised XXXX that this account was not opened by me and requested additional info. XXXX advised me that he has had similar calls and situations as this. XXXX researched the alledged account, cells phones in XXXX XXXX ( i reside in XXXX ) and the cell phones had zero usage. 
XXXX advised me XXXX will be submitting a report to remove the finding, credut reporting. XXXX advised me to contact XXXX  and advise them of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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