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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit card or prepaid card

We are loyal Capital One card holders. We use your cards for business purchases for our XXXX XXXX XXXX. One of my mother 's Capital One accounts ( ending in XXXX ) was cancelled. This is the second time this year that the account was flagged / suspended. The first time it was re-instated because of an Capital One error that your team acknowledged. 

This has happened again! The Agent  XXXX XXXX states that the account has been cancelled and our thousands of rewards points have been lost.
Product: Checking or savings account

On XXXX my payroll direct deposit was not placed into my checking account by the bank.
Product: Credit card or prepaid card

I opened up a checking account due to a sign up bonus Chime had offered. XXXX week after opening the checking account and receiving the debit card in mail, I got another email saying a credit card was shipped from Chime. I never applied for this card or even visited the application page. I talked to Chimes customer service regarding this matter, and they went ahead and closed my account but they are no longer communicating with me and have not provided an explanation on why the card was opened to begin with.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccurate reporting, including wrong amounts and dates.
Product: Bank account or service

My account was at a XXXX balance. A charge of XXXX was approved even though it should have been declined and i got charged XXXX dollars in overdraft fess. I am ok with paying XXXX of the late fees but i feel paying XXXX dollars is excessive for a XXXX charge
Product: Credit card

On XX/XX/2023 I charged XXXX at XXXX for a custom cat tree to be built for me. I was aware this would many months. I have a number of text messages between myself and the owner. I checked in with them on XX/XX/XXXX to see if work had started and he told me not yet, but he would try to finish for the end of the month. On XXXX XXXX he wrote and he said another project had set him behind but the tree would be worth the wait. I did not.think anything of it because he was the only person building these. In XX/XX/XXXX I asked if he had started work. He said he had started yesterday. On XXXX XXXX I asked for pictures and when I could expect delivery, because I would like it for XXXX. He answered and sent a picture of the frame. He said he could not get it out in time for XXXX, but would ship it mid XXXX. This is the first time he committed to a completion date. On XX/XX/XXXX, when I had not heard from him I told him since I did not get the tree or an update, I was going to pursue getting my money back unless he shipped the tree out immediately. For the first time I did hear immediately back from him and opened a dispute with XXXX XXXX. They first denied it for being more than XXXX  days old. When I sent them their Rule 4554 that said I had XXXX days from when I expected delivery, they denied me again claiming I expected delivery at the end of XXXX. This is not accurate because the merchant only said he would try and contacted me to tell me he was behind. The first time he committed to a delivery date was mid XXXX. I only then felt I was being cheated when he did not answer me. These cat trees are involved and take many months to build, that is why they are so expensive. I was willing to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 two letters were sent out by me to Equifax and XXXX ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both XXXX XXXX and Equifax and I also have absolutely no knowledge of the inquiries on my Equifax and XXXX. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and Equifax did indeed receive my letters but did not respond within 4 days now it is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Equifax to remove multiple accounts that are not mine to my knowledge and a result of fraud. Ive sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed a FTC report and also an police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX and XXXX XXXX removed from my credit report or send debt validation of these accounts.
Product: Credit reporting

Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX
Product: Credit card

I opened an account with XXXX XXXX in XX/XX/XXXX. When I went to pay the bill, I could not pay XXXX directly online. Instead, I needed to pay through Wells Fargo. My other credit accounts through WF appeared on my online account profile, but XXXX was not showing. I then used Bill Pay through WF and set the payment to Autopay each month starting with the XXXX payment on the Due Date. I started to incur {$40.00} late fees because apparently the Bill Pay option takes 1 business day. Meanwhile its the same bank. Wells Fargo refuses to refund me two {$40.00} late fees they charged me. Its a scam. Its says right on the paper invoice that if I used any other Bill Payment method other than WF, they are not responsible for the accuracy or timeliness of the online bill payments. But I am using Wells Fargo. This is definitely an issue and XXXX happening to many others. I pay my bills on time and this is them stealing my money on a technicality. This month the payment withdrew from my WF checking account the day it was due, XX/XX/XXXX. They didnt receive it until Monday the XXXX because the XXXX was a Saturday. The payments are set to pay on the due date. I should not penalized if I am paying on the due date.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous
Product: Credit reporting or other personal consumer reports

Mercury Financial, is the issuer of my credit card, I have an ongoing dispute with a merchant since XX/XX/year> and as a XX/XX/year> Mercury Financial is are being dishonest and is giving me the run around in regards of this dispute.They keep telling me that it will be revolved soon when I reach out to them the keep telling me the same thing over and over again without and resolution. Also they reported my account as being delinquent as from my understanding no payment is due while it's being disputed. 
They are ruining my credit and it's not fair because from my understanding when you are disputed a merchant no payment is due unless I have a charge for a different merchant which is not the case here. I need Mercury Financial to take this off my credit report and properly report it correctly and not delinquent. They also refuse to fix this matter
Product: Credit reporting or other personal consumer reports

I'm here today to talk about my recent experience with a XXXX XXXX. In XX/XX/2023, I went to a XXXX XXXX  to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization.

and it was done on two different dates ( see attachments )
Product: Student loan

The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over. 
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not telling the truth. They are adding XXXX things to my report to make it look like they are doing something. In 11 days I pay XXXX again and they will say the fixed the problem THEY DID NOT they just waisted time toll 3 more bills were paid supporting documents prove my case
Product: Credit reporting

I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.
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 Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The account is fraudulent. I never opened this account. XXXX should confirm the identity and address of the owner before opening the account.
Product: Debt collection

I recently discovered that XXXX has falsely attributed a debt of {$1600.00} to my business, a claim I believe is a result of identity theft. This debt is not valid and I have no knowledge of it or any transactions associated with it. 

Despite my efforts to contact XX/XX/XXXX and clarify the situation, they have not resolved my concerns and instead, they sold this fraudulent debt to Amsher Collection Services , Inc on XXXX XXXX,2024. Since becoming involved, Amsher has begun to threaten and harass me regarding this non-existent obligation. Their aggressive collection tactics have created undue stress and disruption to my business. 

This entire situation has left me feeling vulnerable and frustrated, as I am being held accountable for a debt that is not mine. I seek swift resolution to this matter, and I am prepared to take legal action if necessary to protect my business and my reputation.
Product: Credit reporting or other personal consumer reports

After several attempts, Ive submitted documentation to show all my XXXX accounts have been closed since XXXX. Actually, the balances of the XXXX accounts were transferred to XXXX at the end of XXXX and XXXX have closed the accounts in XXXX due to PSLF. All my XXXX accounts show as closed on all my credit reports but my XXXX accounts show as open on Experian. If you would go to my XXXX account on their site my accounts show as closed as of XXXX and its shows on XXXX and XXXX. Despite several attempts to submit documentation reflecting that my XXXX accounts are actually closed Experian still believes it is still open. Nothing really gets done on their end, you are my last opportunity to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me regarding LVNV FUNDING, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. XXXX failed to produce any documented evidence of how LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX. LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P remains in direct violation of The Fair Debt Collection Practices Act.
Product: Debt collection

Portfolio Recovery keeps calling me even though I have sent written notice for them to never call me. They don't tell me who they are, just saying it's a " personal matter. '' They have not sent me substantiation, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit card

I made a one time purchase on my Apple credit card for {$19.00}. But this company charged my account several times like {$120.00}, {$140.00}, {$140.00}, {$49.00} and some other charges I can't recall. Every time I called Apple company and disputed these charges. Apple company one time even told me that they are changing my card number, but the charges still kept coming in. I asked the Apple card to block this company so I don't have to keep calling them and dispute these charges, but they refused to do that. Eventually I closed the account. But few days later I received this email " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. '' They reversed all the disputed charges and all the credit balance was washed out and additionally mad me me pay another {$120.00}. Altogether they stole my approximately {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


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