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

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks T XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain against Capital One regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Background of the Issue I have been a loyal Capital One customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my Capital One World Elite Mastercard ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX that XXXX XXXX. 

In light of these extenuating circumstances, I reached out to Capital One on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

Capital One acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, XXXX, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, XXXX, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from Capital One, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.
Product: Bank account or service

XX/XX/XXXX, we visited Keybank regarding fees and was told my account would be placed on Key Privilege Checking. The benefits of Key Privilege Checking included free checks and no maintenance fee ( see attachment ). I recently had a NSF when I knew I had enough to cover the checks written. After reviewing my account, it was determined that it was the maintenance fee for {$25.00} which caused the overdraft. Further review of my account shows that I have been charged a maintenance fee of {$25.00} since XXXX XXXX, however my check reorders have been free. I have spoken to XXXX, who was able to adjust XXXX maintenance fee. XXXX stated further review would be required by XXXX and then we were advised XXXX could not make any further determination and I was referred to XXXX, Operations Manager who said all she could do was adjust XXXX more maintenance fees and that she would put my account on the maintenance free Employer program to avoid future fees. 

I am requesting a refund for the XXXX maintenance fees ( XXXX ) charged in error in the amount of {$250.00}. The fees can be seen on the attachments posted on XX/XX/XXXX/XX/XX/XXXX between XX/XX/XXXX-XX/XX/XXXX ( XXXX of the XXXX have been refunded by the bank ).
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

SXXXX XXXX XXXXXX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  # XXXX is being reported on my consumer reports this is a violation of my consumer rights usc 1681 & usc1666 I have never been provided any written notice of this issue before placing on my account nor have I been provided any original contracts showing ownership of account
Product: Checking or savings account

I deposited a check on XX/XX/XXXX at XXXX pacific time. The anticipated deposit date was set to XX/XX/XXXX. On XX/XX/XXXX at XXXX pacific time, capital one emailed me that my funds will not be available until XX/XX/2023. The customer service agent I spoke with said he had to get me to another department. I am still on hold. There is no quoted time of how long someone will be. There are also no capital one locations where I can go and speak with someone about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA 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 card or prepaid card

I received a letter from a company claiming to be " Fortiva XXXX XXXX '' - it was addressed to " dear applicant '' and said the below information was needed to process my application ( which I did not make ) : A copy of social security card An original pay stub or copy of most recent tax return an original utility bill. 

The address for return of the information is : Fortiva XXXX XXXX ; XXXX. XXXX XXXX, XXXX, GA XXXX. 

I looked this up and there is a website " XXXX '' which lists this website. 

Either the cite and the company is fraudulent or someone tried to open an account in my name - either way, I wanted to report and bring to your attention.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00}
Product: Debt collection

I had a debt with tempo and was part of the group that CFPB reached a settlement for resolving the debt and dismissing the contract and any payments owed. XXXX, XXXX, and XXXX have all claimed that the debt is still valid even with copies of the letter I received from the CFPB. 

https : XXXX
Product: Debt collection

XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.
Product: Credit reporting

I have something on my credit report from National Fitness. I have contacted the number listed by the BBB and by XXXX and the number is not in service ; their website is not a working number anymore, either. I have no way to request Debt Validation from this company and would like this information removed my credit report, due to false pretenses.
Product: Debt collection

I could no longer afford my gym membership and I was unable to cancel my gym membership on the website they provided. They eventually placed the account for collections with Aldous & Associates for collections. Aldous texted and emailed me several times. They finally called and I tried to explain to them that I was unable to cancel. They told me that Im not allowed to dispute over the phone according to the FDCPA. When I told them I cant pay they hung up. After they called a few more times I asked my step dad to help me. I asked Aldous to call him and the XXXX refused but said he could call them. When my stepfather called they told him that the account is being credit reported. My step dad asked them to verify the debt and they refused and said he had to write them to do it and that collection attempts will not stop. When he asked them to stop calling until its validated they told him they are not required to stop under the FDCPA and that they are credit reporting the account. I checked my credit report and did not see it so I feel like they are telling me to force me to pay an account that I never had access to cancel.
Product: Vehicle loan or lease

I am writing to address an issue regarding a missed payment that appeared on my credit report in XXXX. Despite receiving confirmation from a representative over the phone that the missed payment would not be reported if I agreed to a payment extension due to financial hardship, it still showed up on my report. I am kindly requesting an immediate correction of this error to ensure the accuracy of my credit information. Your prompt attention to this matter would be highly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and

unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process
was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, AND XXXX HAS FAILED TO COOPERATE WITH THE FCRA 16 CFR Part 681 TO REMOVE FRAUDULENT ACCOUNTS THAT HAVE BEEN REPORTED ON MY CREDIT REPORT THAT HAS BEEN REPORTED FROM FRAUD AND THAT HAS BEEN OPENED WITHOUT MY KNOWLEDGE. I HAVE ALREADY REACHED OUT CALLED NUMEROUS TIME WITH NO RESPONSE TO MY ORIGINAL DISPUTES.
Product: Credit reporting or other personal consumer reports

I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of of XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ). 

I have submitted 3 written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & XXXX  and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX these accounts which I demanded to be deleted, as well as copies of the documents XXXX used to verify these accounts per my request. 

The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked if I gave XXXX written instructions? They ignored my request. I asked that XXXX provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that XXXX has recorded and retired in your file. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for Inaccurate Personal Information, and Inaccurate accounts Reporting USPS # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report USPS CM #. A second written request was on XX/XX/XXXX USPS CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation 15 U.S.C. 1681 ( n ) USPS CM # XXXX. 

I AM PROMISED ACCURACY IN MY CONSUMER REPORT BASED ON FEDERAL LAW. I AM MAKING THIS CALL AS ANOTHER ATTEMPT TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT UNDER 15 USC 1681. ALL UNVERIFIED INFORMATION MUST BE PROMPTLY REMOVED.
Product: Credit reporting or other personal consumer reports

I opened my first credit card in XX/XX/XXXX and my last one in XX/XX/XXXX none of my XXXX ( XXXX ) accounts is appearing on my Transunion an XXXX report. When I call them they say my lenders or creditors are the ones not reporting to them but when I contact those lenders and creditors they confirm that they report to all XXXX agencies
Product: Mortgage

I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.
Product: Mortgage

I closed on my new home on XX/XX/year>. My mortgage loan with PennyMac has a payment start date of XX/XX/year>. I have a PMI of {$93.00} per month because I made an 11 % down payment. 

Here are the issues I'm facing : XXXX. For my first mortgage payment, PennyMac charged {$180.00} for PMI, which is double the usual amount. When I inquired, they explained that they were charging for both XXXX and XX/XX/year>. However, my loan XXXX assured me that I wouldn't need to pay anything until XX/XX/year>. 

XXXX. By XX/XX/XXXX, I made an additional payment towards the principal, reducing my XXXX ( loan-to-value ) ratio to 75 % to avoid PMI. According to the agreement I signed, PMI should be removed automatically once my XXXX reaches 78 %. However, PennyMac is refusing to remove the PMI without a new home valuation, which they are charging {$150.00} for. Considering it has only been XXXX months, I don't understand why a new valuation is necessary and they do have home appraisal report at the time of closing. I am attaching the disclosure on PMI that I signed for your reference. 

Please let me know if I am misunderstanding anything.
Product: Mortgage

Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN will not permit the following accounts to be disputed online.They are automatically rejected for any reason whatsoever including " acct. closed '' or " too old to be on file '' .WHEN speaking to XXXX. IN XXXX, TEXAS the employees are disrespectful, can not find documents that have been presented to the CFPB against Experian and seem limited in their ability to help me because I have not sued them in civil court yet and therefor I'm not assigned there..When calling EXPERIAN regular customer service the employees are so stupid they do not understand their own business jargon that is included in this complaint. 
The following accounts have DOFD 's that are not accurate ; inaccurate according the the FCRA definition of DOFD.They qualify for early exclusion.They are XXXX XXXX XXXX, XXXX coll. in amt of {$1500.00}, XXXX XXXX  XXXX XXXX. in the amt. of {$620.00}, XXXX XXXX XXXX XXXX, XXXX. IN THE AMT OF {$1100.00}, and finally XXXX XXXX XXXX in the amt of {$1300.00}. 

XXXX XXXX XXXX XXXX, XXXX is an account whose DOFD has been illegally re-aged by 4.5 months and although Experian possess proof to that fact they refuse to act on the proof they possess including certified court documents that would cause a financial loss for Experian and their subscriber should the documents be judicially noticed evidence in the possible future case. Will Experian continue to be ignorant and stubborn, not sending this to their legal dept who would agree with me upon 5 minutes of observation of the evidence submitted numerous times to Experian in recent months? 
XXXX XXXX XXXX XXXX 's original creditor tried to settle for {$100.00} but the fact was that the settlement was required to be XXXX dollars by the CALIFORNIA IMPLIED WARRANTY LAWS. 
XXXX XXXX, XXXX, A COLLECTOR AGENT for XXXX XXXX whose debt was previously deleted by Experian appears under the guise of a different account ... they raised the debt amt. by XXXX dollar to look as if their account had no relationship to the previous deleted XXXX XXXX account deleted in recent months earlier than XXXX 's appearance on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference complaint XXXX. 

I do not accept Experian 's statement of " Please understand that not every consumer is guaranteed online access to their credit report '' when I specifically requested to be informed of what issue is preventing me from obtaining my reports online. It is unacceptable that they will not provide an answer nor change their system to prevent me from obtaining my report, which now being sent via physical mail is exposing my personal information to loss or theft. 

If this issue is not resolved, I will annually be filing CFPB complaints against Experian. I may also explore legal options to force Experian to devulge the answer I am requesting.