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

The accounts below are being reported as open collection, past due, etc. These accounts are in valuation under FCRA compliance. 

This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report to my email. When the above collection is deleted and has been removed.
Product: Debt collection

This is the fourth time I have disputed this. I have not received or heard anything from AARGON Agency. The credit bureaus responded by saying verified. HOW! When this was XXXX in bankruptcy. Transunion indicates balance XXXX and the account status paid. XXXX  indicates the balance is {$290.00} and the account status is derogatory. XXXX  has not reported in the comments chapter XXXX bankruptcy. It appears per the credit report that this company is still trying to collect on this debt. Also, the date of the last activity is completely off and not reporting accurately. Per the FCRA my rights have been violated because this is not reported accurately or Fair.
Product: Credit card or prepaid card

On XX/XX/XXXX I received my monthly statement by mail with a due date of XX/XX/XXXX. The statement received was past due the date due. I called in directly to the credit card company to inquire if there were delays due to COVID19 in their mailing process. I was told that they dont know, but could not and would not look further into the issue or refund late fees or interest that occurred due to this delay. I was transferred by request to supervisor XXXX, ID : XXXX. XXXX was aggressive and rude, rather than seeking resolution or offering assistance to further prevent this occurrence from happening in the future that I was looking for. He stated that because I choose postal mail as my method of billing its my problem, as well as because I elected in XX/XX/XXXX to waive a late fee they could not waive the fee due to their once a year policy. I have been a customer since XXXX maintaining excellent credit and paying my balance in full. I feel this decision was made purely to exploit the consumer.
Product: Mortgage

I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Everythingelseiskeepmefromgettinganythingidon'thavenocarortruckornothingevertimeItrytobettermyselfbecauseIreallyreallyreallyneedsomecreditstartedhowcanIwhenIkeepgettingdeniedoneverything??allthebankandfinancialcompanyandcardealershiptelluntruefultellnooneouttherewantedworkwithmebecauseiamonXXXX.XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Thank you.
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the XXXX XXXX XXXX XXXX program and I saw an inaccurate report from ARS ACCOUNT RESOLUTION for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$770.00}. The account status shows 'seriously past due ' and they should not say that as these debts are not owed. 

I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by ARS ACCOUNT RESOLUTION is a VIOLATION of the HIPAA Act of 1996. ARS ACCOUNT RESOLUTION did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against ARS ACCOUNT RESOLUTION as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. ARS ACCOUNT RESOLUTION is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against ARS ACCOUNT RESOLUTION, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from ARS ACCOUNT RESOLUTION expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both XXXX  and XXXX. Not only did I have a XXXX as I am a single mother, but I also completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on my credit under inquiries of companies I never applied for credit or requested credit nor sign my name for consent to run or obtain my credit. 
Report # XXXX XXXXXX/XX/XXXX on page 14 of 18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied at any of these companies nor have I sign or given consent to run my credit. Every one of these Inquiries need to be removed by Experian and Experian needs to provide from each one listed my signature and application showing my name signature and information for obtaining or running my credit for any or such purchases an application needs to be provided as proof.
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen, and within 45 minutes I had canceled my cards and reported them stolen, but it was too late. Someone made over {$1000.00} of purchases combined on my credit and debit. Bank of America even alerted me of this fraud ( attached ) and I acted Immediately. Yet they are now denying it was fraud. 

I did everything right. I reported it immediately, contacted BoA directly, and filed a police report with the City of XXXX, MA. I provided the police report number to the claim department as well. They told me several times they would call should they need more info. 

I just received a letter that I will be held liable and the chargers were added back to my credit card, as well as the debit cars. This is extremely frustrating because I did everything BoA told me to, and the police have a photo of the person who did it. It is clearly NOT me and I have made it clear I did not authorize it. I reported it as soon as I knew it was missing. 

When I called, they said someone had filed the claims wrong. yet they are penalizing me for it. I have been working with the police so everything is documented. 

To make thing worse, they provided me with a resolution representative. He called me and asked if I have a police report, after 7 Bank of America employees had told me they had all the information including police report info, officer name and contact info. I spoke with this representative, XXXX, who said who said my fraud claim was denied despite me having a police report because people lie. He also said the claims show as open to him, but on my end they appear closed and they sent me a letter saying its closed ( attached ) I been a member of BOA since 2012 and have never filed a claim so I dont understand why I am being treated like a criminal. This has been difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments that appear on my credit history report for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from American Honda Finance. I have reached out to them numerous times with no resolution. My payments have never been past 30 days late, but they profusely continue to report them as such. I disputed the issue to the credit bureau and in spite of my dispute, they added additional late payments to my credit report. When I called and asked why was this done, they told me that my payments were 31 or 32 days late. I know right. Wow. It's pretty amazing that an entity can be so spiteful about someone disputing incorrect information that they respond with invalid technicalities. This is what I get from a company that I have spent well over {$100000.00} on. I may have learned my lesson this time. These negatively impact my life. Yet, I am sure they do this purposely to ruin my credit and keep me as a customer for as long as they wish because they know I will shamelessly return. And since, I am a returning customer, they give me the benefit of the doubt and approve me with high interest rates and outrages terms. Then, they can dump me like trash and leave my life in shambles while they repeat this cycle consistently.
Product: Credit card

On XX/XX/2024 I was going to make my regular monthly payment of {$500.00} for the credit card when I entered the website to view the balance I saw the balance increased to {$7900.00} when the previous balance in XXXX was {$3400.00}. At that moment I contacted customer support to find out what occurred and they indicated that the 18 month promotion of no interest was no longer in effect as of XXXX. 

I explained to them that I was not aware of that and I did not read the e-statement that indicated that. I was transferred to various supervisors and requested if the accrued interest fees can be waived. In return I was more than willing to pay off the remaining balance of {$3400.00} to close the case. 

Unfortunately, the back and forth did not lead to any resolution and was told that there is nothing they can do. I was baffled to hear that a bank was not able to override the fee and accept the full payment of {$3400.00}. I understand there was a promotional fee but I was trying to work with the bank to pay off the remaining balance that should have been paid in XXXX. 

Additionally, I provided suggestions on how to better communicate with their consumers via phone call, email, text, etc to make them aware their promotion is ending and requires immediate attention. The senior supervisor " XXXX '' said it was a great idea and was going to present it in their next meeting but it will not change the narrative on hand today. 

I am truly bothered by this because I am consistent with my payments and I should have been given a chance to pay off the remaining balance with no issues. I feel the bank is monopolizing off the consumers and conducting shady business by stating it is mentioned on the statement. They should be more proactive in alerting the consumer. 

I would like to pay off my remaining balance with no interest accrued.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, I am attaching an updated FTC report created today containing XXXX fraudulent accounts XXXX fraudulent inquiries along with a fraudulent address to be blocked removed deleted under FCRA XXXX! XXXX XXXX had alerted me in an older FTC report that they were unable to open XXXX files which contained my Drivers license and social security card. Being that is of great importance to move the process further I have figured out the problem on my end and will be attaching all the necessary documents to process further into a resolution. I do apologize for the mishap on my end as I hate going in circle as XXXX sure you do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is once again reporting incomplete information on my credit report. They 've listing a collection company on my credit profile with no name. This is a company that 's so gunned whole of releasing any incorrect information as long as they can stick it to the consumer. 
1. I need to know who are the people that you 're claiming I owe. 
2. Direct Contact Information On this Company 3. The name and number of the person that works for Equifax that 's stating that this account has been verified.
Product: Debt collection

Me and my husband started getting help from Global client solutions back in XX/XX/2017. They told us that they would contact our creditors and no one should be calling and contacting me. Well the calls never stopped from any of my credit card companies. I contacted XXXX XXXX XXXX XXXX which is who I go through and also contacted global client solutions. They said that they had contacted them not to worry. We were told that how the program works that we would automatically draft a monthly payment and once we built up enough money in the account to pay off a debt they would contact our creditors and negotiate the price. We have been paying since XXXX and nothing has been paid and none of my creditors have been contacted. Now I tried to get out of the program but Global client solutions says I only have a balance of a little over 200.00 in my account which should be over 2000.00 which is enough to pay off a couple of our debts. Now they are saying that there were fees that we had to pay and that they are non refundable since they already did the work. They have not done any work. they have been taking our money and not paying off anything like we agreed to. Everytime I call I get placed on hold and no one ever answers. how do I get my money back? Now I have to start paying on my cards again and im so far behind because we now have the late fees and the interest since they haven't been paid in 8 months which outs us further behind. Not saying how bad it hurt our credit and we will never be able to catch back up especially if I cant get my full amount back.
Product: Credit card or prepaid card

XX/XX/2020 I cancelled my credit card with FIRST PROGRESS CREDIT CARD. The Credit Company continued charging unauthorized usage charges to me made by XXXX XXXX. 
These charges began in XX/XX/2020 to XXXX 2020.I contacted XXXX myself and originally closed the first charge, but they continued. 
I have copies of faxes and also to their Bank involved. FIRST PROGRESS continues to. report all of my account as continued and past due. These reports to the Credit Bureaus are bad. 
I have gone way past my patience with no success.
Product: Checking or savings account

i have NEVER had Wells Fargo ever in my life, and so when i tried to apply for an account here yesterday XX/XX/year> it came to my suprise that some fraudulent accounts were still connected to my SSN. I reported this to Wells Fargo via the CFPB already and never heard anything, nor was guided on what steps were next of having the accounts deleted and removed from my SSN. So i just opened up an open case of identity theft directly with Wells Fargo which is below : XXXX So ive taken all the necessary steps. i just need these accounts unattached from my XXXX as i have never had Wells Fargo ever in my life.!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I financed a vehicle with XXXX. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by XXXX and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from XXXX which now owns XXXX. I cashed the check then submitted a copy of the letter to TransUnion and XXXX. XXXX dismissed my dispute because the letterhead says XXXX and not XXXX. They said I dont have a XXXX account on my report ( because its XXXX. ) TransUnion closed my dispute without correcting my credit report. They said they are basing it off what information XXXX tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. XXXX ( XXXX ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe XXXX needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.
Product: Money transfer, virtual currency, or money service

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>XXXX  PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem I GET NOWHERE! Each public organism and each bank, whether in the States or XXXX, just passes the buck? WHAT MUST I DO???
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.