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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am going to school in XXXX XXXX. I received an email asking me to pay for a debt. I found out the debt was my Bank of America credit card, however I did not make those charges. When I found out, I called Bank of America immediately. I can prove I was in XXXX XXXX they did not send me any information. The bank sent my letters to respond to my mom 's address and not me. I gave Bank of America my current address, When I called them. I was not allowed the opportunity to show I was in XXXX XXXX and not XXXX. The charges are gas and store charges, which you have to be in XXXX  and can not process from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name JEFFERSON CAPITAL SYST Account number XXXX Original creditor XXXX  This account is being reported to all 3 bureaus by jefferson capital but it is incorrect. the debt has been paid and it needs to be deleted immediately i was given a payment confirmation number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNTS ACCOUNT # XXXX ACCOUNT # XXXX
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

XXXX XXXX, XXXX, pulled all three credit reports, preparing to refinance our VA loan. Disputed inaccurate information pertaining to account balances. Only one company did not respond correctly ; USAA. Instead of updating correct balance information to XXXX, they responded with payments are made on time/no late payments. This is not what was disputed. I disputed incorrect balance on VISA account. XXXX XXXX, called USAA VISA to ask why balance had not been updated? Customer Service Rep responseafter 45-minutes of researching, etc.was, We update at end of the month. OK. That was less than a week. We could wait to apply for Refi. 

Today, we got notification from XXXX XXXX, XXXX FICO score dropped 78-points since last XXXX, XXXX XXXX! I checked online. USAA dispute had closed but disputed USAA balance was not updated. Called XXXX. They advised USAA balance had not been updated since XXXX XXXX, XXXX. Furthermore, USAAs response to dispute was not answered correctly. XXXX advised us to file a complaint with you. XXXX FICO is based on incorrect information. We will probably lose our excellent rating and our 2.25 % loan rate. 

Today, XXXX XXXX, XXXX, I called USAA, again. I was on the phone for 1.5-hours with another customer service rep who kept putting me on hold to do research. Finally, I Was transferred to an Executive Resolutions Team member. Her response to USAA not updating XXXX was this : We have 30-days from end of Dispute to respond to you. We will mail an explanation. Then, the credit reporting agency has another 60-days to respond. When I explained the dispute was ended, USAA did not respond to disputed credit balance but rather to payments are made on time this representatives response was the same. When I asked to speak with someone in the department that handles disputed information from credit bureaus, she said, We do not have a department like that I can transfer you to. Me : Really? Surely, someone, somewhere has to physically respond to these disputes? Her answer was the same : No such department. There is no person I can transfer you to who can correct USAAs mistake. However, on XX/XX/XXXX, USAA managed to update XXXX and XXXX with correct VISA balance. But not since XXXX XXXX, XXXX have they updated XXXX. 

Unfortunately for us, mortgage companies use the lowest score to determine interest rate. Our scores fell from XXXX ( excellent ) to XXXX ( good ) in five-days! All because USAA did not properly answer the disputed subject. We have been a member of USAA since XXXX, and been with their bank since opening in XX/XX/XXXX. 

There has to be accountability. This is going to adversely affect our interest rate and our mortgage payment. We are now retired, on a fixed income. Our income is 25 % of what it was last yearbefore taxes. Refinancing was supposed to reduce our monthly payment by {$630.00}. Now, were worried we wont qualify for 2.25 %. 

We have done everything we can to resolve errors on our credit reports, spoken with XXXX and multiple times with USAA to correct their error. Weve received little assistance from XXXX and zero from USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Equifax Credit monitoring. I'm experiencing some type of computer/technical scoring error on my credit file with them. Typically, if a decrease in the balance of an account happens and there are no other changes but the decrease, the credit score will increase because utilization goes down. In my case, since XX/XX/2022, whenever I pay a portion or even the full balance of an account, my score is dropping and it's dropping by the same each time of 75 points! I have spoken to several agents at Equifax and they have not been able to help and stated that there is no one there that can help with a credit score issue. I know that they have to have a department that can look into this, but no one is willing to assist, I really need help with this, because it is making my file unstable and unpredictable and I'm afraid to pay down balances or even apply for credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATION/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card

Apple Card overcharged for a transaction 11 months ago. I dont have the voucher unfortunately, but I signed a voucher for {$50.00}. Apple Card charged me fraudulently {$190.00} The card is asking for evidence when I said I dont have the voucher. I also asked for the copy of the voucher for {$190.00} to Apple Card This card is charging for something that does not exist. They do not have evidence either. 
Restaurant XXXX  did not provide me with a copy of the voucher. 
It was a mistake of the restaurant ( we split the bill ) Or, a mistake from Apple Card. I DID NOT sign a voucher for {$190.00}. It is a way for stealing money from customers. Other credit cards act on behalf of their customers. I dont accept this charge of {$140.00}.
Product: Debt collection

I have been trying to pay what I can and sometimes that is nothing but repeatedly have been telling me that is not enough and that if I do n't pay what they want me to pay a month then they are going to take me to court and garnish my husbands wages over {$600.00} a pay check! 
I also asked them to not call my husband and I at our jobs and they continue to do so. I even gave written notice to stop. 
Now I get a letter in the mail about a judgement and I only missed one payment.
Product: Credit card or prepaid card

I cancelled BoA Visa in 2019. Recently received a bill with late payment warning for an automatic charge made by my XXXX account and an additional annual fee. The Visa customer service agent told me that because XXXX billed them for the automatic fee even after the account was closed, they still paid it and that triggered the annual fee and XXXX charge. The customer service agent also told me that even if I closed the account ( again ) and something was charged to it, the account would pay it and become active again.
Product: Payday loan, title loan, or personal loan

I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered XXXX fraudulent accounts on my credit report, the accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX, please remove these accounts from my credit report, as I did not consent for them to be opened.
Product: Credit card or prepaid card

To whom it may concern : I have called Chase XXXX credit card company multiple times to resolve this matter, but the issue still stands, and it is hurting my business and personal credit. I have filed a dispute twice against charges that were not authorized. 
The first time the investigation was open, it lasted a few months. I received a phone call from a lady that did not want to hear what I had to say, instead, she accused me of all the charges that were on the account. I tried to explain everything, but she did not let me speak at all and was told goodbye from the Chase team. 
The second time I called and complained about the lady who was rude to me and didn't want to hear my side of the story. Unfortunately, no action was taken against her as nothing was documented on the account to whom I spoke with regarding this matter. The second time I requested the case to be reopened against the invalid charges, within two weeks or less the case was dismissed. I was sent a letter stating the investigation has been closed and the charges belong to me. 
This is a Chase XXXX  credit card that started with a limit of under XXXX XXXX dollars and ended up with a balance near XXXX XXXX dollars. I asked the Chase representative how my credit card limit went up to nearly XXXX XXXX dollars in which I was told by the representative that I had requested the limit to be increased. This is completely false and they did not want to mention this again when asked since the credit increase was not approved by me. 
Please help with resolving this matter as my credit score went from close 800 to about 600. Being a business owner, I must maintain good credit. I have high expectations from Consumer Financial Protection Bureau to help resolve this matter. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  survivor I have no connection or knowledge of these three accounts and these bureaus arent helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} Please help me these arent mine Im just now able to get on with my life without looking over my shoulders
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT.
Product: Checking or savings account

US Bank responded to complaint # XXXX by sending the Affidavits of Unauthorized Paper Debit Form and the Report of Alleged Unauthorized Activity Customer Statement, which were all completed, signed and returned. The documents listed above were sent to US Bank via US Mail, email and FAX on XX/XX/2022. 

As XX/XX/2022, we have not been contacted and no further communications have been received from the bank. XXXX XXXX XXXX XXXX ( XXXX yr. old, XXXX XXXX XXXX XXXX Veteran ) continues to believe that the bank is just waiting on him to die so they won't have to give him back his {$6200.00} THEY STOLE from his account. Please review and provide some additional assistance in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.
Product: Debt collection

1. I received a number of phone calls Citi Card collection department during the week of XX/XX/XXXX identifying that I was overdue on one of my Citi Card accounts. 
3. I spoke to someone on XX/XX/XXXX and asked that they send me the statements for these charges. I only received statements with finance charges and interest and no record of the XX/XX/XXXX charges. 
4. I spoke to ( 5 ) people in collections around XXXX ET on XX/XX/XXXX and ultimately, I paid {$260.00} from my XXXX XXXX XXXX account, I was told that I still had a balance due for the membership fee of {$99.00} for the recently closed account plus some other finance charges and interest. The total debt requested was {$410.00} 5. I called the Citi Card Fraud department at XXXX on XX/XX/XXXX and gathered more information about these charges. I was told that there was a total of {$160.00} ( {$31.00} ; {$42.00} ; {$44.00} and {$50.00} ) for charges on XX/XX/XXXX in XXXX Mass. We have not been to XXXX in many years ( and my appointments for these days can confirm my location on XX/XX/XXXX. ) 6. I spoke to a person around XXXX ET  on XX/XX/XXXX and I was told these charges would be under investigation. 
7. I received an email notice on XX/XX/XXXX that one of the finance charges of {$37.00} would be waived. 
8. I received a letter dated XX/XX/XXXX notifying me that I must pay {$150.00} while the dispute is pending. If I paid this amount, I would have paid {$420.00} on fraudulent charges. The only valid charge in question is the {$99.00} membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with credit bureau XXXX, XXXX, and XXXX XXXX on XX/XX/XXXX. Their investigation results were ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This is false information on my credit report. Account name ; I C SYSTEM INC. The reported dates are completely inaccurate and not true. Also I pulled up a their state licensing, and they're not licensed in California. That is completely illegal according to California law ; XXXX XXXX XXXX ( XXXX, XXXX XXXX, Stats. XXXX ) California XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Chap XXXX. Stats. XXXX ) XXXX XXXX XXXX XXXX.
Product: Debt collection

First off, my balance is higher than the limits of the card they claim I used, which I didn't. Furthermore, the balance was outright incorrect and continues to rise AFTER debt was sold and closed by XXXX XXXXXXXX. Then, they called me multiple times after I requested to be left alone, the lady screamed at me on the phone. They then called my mother, my father, both my sisters AND my little brother AFTER I requested to be left alone. They left menacing voicemails and scared my parents thinking I was in trouble. Absolute harassment and me and my family.
Product: Student loan

XXXX - failed to process income based repayment application loan interest capitalized XX/XX/XXXX - updated income for income based repayment plan. incorrect calculation. 
XX/XX/XXXX, corrected income calculation. Counted as lapse in payment plan - capitalized interest XXXX in interest. restarted clock on time payment forgiveness. 
XX/XX/XXXX, XXXX submitted income based repayment plan renewal form and income information. XX/XX/XXXX, income based repayment plan expired, interest capitalized {$12000.00}. restarted clock on payment forgiveness.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX  : # XXXX has violated my rights. According to the Fair Credit Reporting Act, 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 about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, stated that I recently opened an account with them in fact this was in XX/XX/XXXX-XX/XX/XXXX and was filed bankruptcy on I shows I have a open account of {$430.00} it was add to my list of bankruptcy. See supporting documentation.
Product: Debt collection

The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.
Product: Credit card or prepaid card

Three charges were on my card back in XX/XX/2021 for XXXX. Merchants were XXXX and XXXX. I do not know the latter merchant, but either way, I did not make these charges. The funny thing is that I dont even have a XXXX account. Called my bank to discuss the situation with them, and they said they found a XXXX account with my name on it, but all the other details ( email, address, SSN, etc ) were all different. Its possible someone else with my same exact name has a XXXX account since there are people with my exact name, and I explained this to Chase ( my bank ). They do not seem to understand my issue, and tell me I need supporting documentation. And I tell them how can I provide documentation for something I do not have? They tell me they cant help me unless I do that, and I will not get a refund for these three charges on my credit card.