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

This is a follow up to my previous complaint XXXX. 

1. The XXXX credit report indicates that my account is XXXX XXXX XXXX. 
The letter from Chase dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' 2. An automatic payment was not received by Chase because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to JPMOrgan Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it XXXX concern, RE : XXXX XXXX Pursuant to XXXX XXXX Code XXXX ( XXXX ) ( B ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage through XXXX county state bank. That mortgage was sold to XXXX XXXX XXXX. We went through bankruptcy and XXXX XXXX XXXX was included in bankruptcy. Its still showing an open account with a balance. XXXX XXXX and XXXX have both taken it off of my credit report. Equifax is still reporting that is an open account which its a closed account. I contacted XXXX XXXX XXXX and they stated that they havent reported it to equifax since before the bankruptcy ended. They told me its equifax thats not changing it. It has affected my credit score tremendously. Initially equifax took it off the report and then the following month the put it back on. Something has to be done about this. It should be a closed XXXX balance account. But its showing {$5300.00}.
Product: Money transfers

Pay pall closed my account after I confirmed my identity and refused to release my funds to me. The customer service was very rude and did n't give me any reason why they closed an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, Transunion, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, or Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I AM REQUESTING COPIES OF ALL XX/XX/XXXXDEEDS GENERATED BY XXXX XXXX XXXX XXXX  XXXX OPTION ONE XXXX OCWEN DBA PHH MORTGAGE FOR PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM ATTACHING COMMUNICATION FROM OCWEN 'S CONSUMER ACCOUNT ANALYST WHO APPEARED TO HAVE IN DUAL ROLES XXXX XXXX  WHO'S SUBSIDIARY IS OCWEN. HE STATED THERE WERE BASICALLY NO DEEDS FOR XX/XX/XXXX. APPARENTLY, DOCUMENTS WERE DELETED FROM THE SYSTEM. 
ALSO, WE RECEIVED NO LOAN AND THE ACCOUNT NUMBER NOTED WAS SELECTED FROM A BATCH OF FRAUDULENT ACCOUNT NUMBERS PREVIOUSLY AND CURRENTLY BEING SUBMITTED TO US. THIS IS WHY THERE WAS A NEED FOR AN INVESTIGATION. NO INVESTIGATION COVERS UNCLEAN HANDS!
Product: Debt collection

I am getting rude, harassing, and illegal calls from XXXX ( XXXX XXXX XXXX XXXX XXXX ) telling me I have to pay a debt that is in someone else 's name for something they owe in Maryland. I asked them to stop calling as I am not the person they are looking for as it is a wrong number. XXXX is not my name and I don't live in Maryland. I have not signed anything anywhere in Maryland. In response, the caller started yelling and screaming obscenities to me and telling me I have to pay this debt that doesn't belong to me.
Product: Debt collection

XXXX XXXX XXXX Debt Collector called and threatened litigation kept calling me by name as if they knew me. degrading me and demeaning me and calling me a liar when i told them I dispute the item and that it may be a case if id theft. I do not recall opening a bank account at bank of america right before 2015. I had one when my daughter was little but that was closed it was not left with an overdraft or anything like that, not that I know of. It was a real mean phone call and their goal was to cause mental confusion and severe stress. It was a bully tactic and it was so awful I was verbally abused terribly. They are not to contact me by phone ever again.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$690.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Experian Your Information : Name : XXXX XXXX Address : ( XXXX XXXX XXXX XXXX, MI XXXX ) Date of Birth : XXXX Complaint Type : Issue with incorrect information on my credit report Complaint Details : I am filing a complaint against Experian for failing to correct multiple errors in my credit report, despite my formal disputes. These errors have negatively impacted my credit score and financial opportunities. The following are key issues : 1. Unresolved Dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( original balance : {$20000.00}, charge-off of {$22000.00} ) was sold to XXXX XXXX XXXX XXXX XXXX 
Experian marked my dispute as Completed investigation - consumer disagrees, but the account remains on my record incorrectly. 
I believe Experian failed to properly investigate my dispute, violating FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable investigation ).

2. Unfair Reporting of Closed Accounts Several of my accounts ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were closed at the credit grantors request. 
These closures appear to be negatively impacting my creditworthiness. Experian should provide a proper explanation or remove these remarks if they are inaccurate. 
3. Failure to Remove or Correct Outdated Information Some accounts, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were disputed and updated in XX/XX/XXXX. 
Despite these updates, Experian did not correct the inaccurate information. 
If Experian failed to properly investigate, this is a violation of FCRA 611 ( a ) ( 5 ) ( requirement to delete or modify incorrect information ).

4. Failure to Remove Negative Items Beyond the Allowed Timeframe Some closed accounts are still listed with long on record until dates ( e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX 
If these accounts should no longer appear due to the 7-10 year rule, Experian is in violation of FCRA 605 ( a ). 

How This Has Harmed Me : These errors have lowered my credit score, making it harder to get loans and financial opportunities. 
The unresolved XXXX XXXX XXXX XXXX charge-off is falsely making it look like I have a major unpaid debt, affecting my financial standing. 
I have spent time and effort disputing these errors with Experian, but they failed to correct them, forcing me to escalate this complaint. 

What I Want Experian to Do : Immediately remove the XXXX XXXX XXXX XXXX charge-off if it is inaccurate. 
Investigate and remove all closed accounts that were reported unfairly. 
Delete any outdated negative items that should no longer be on my report. 
Provide proof of proper investigations into my past disputes. 

I request the CFPB to investigate Experian for these FCRA violations and take necessary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XX/XX/XXXX. Account was paid directly to XXXX XXXX on XX/XX/XXXX and was advised that a supervisor with XXXX   XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XX/XX/XXXX, I was advised by the collection agency that no information was submitted from XXXX   XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XX/XX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XX/XX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with Transunion. However, Transunion states that collection account was verified as correct reporting as of XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX  XXXX concerning account being paid, at which point I stated that I have proof from XXXX  XXXX that account was paid in full on XX/XX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Navy federal have been charging a non active account over draft fees which is resulted in account being in the negative over XXXX when the account was at a XXXX balance.
Product: Checking or savings account

On XXXX XXXX 2017 my card was declined at XXXX XXXX. My account had well over {$200.00} in it. I phoned Bank of America to find out why my card had declined. The rep from Bank of America went over the transactions. I explained to the rep ( 4 ) of the charges were not mine. XXXX {$150.00} & {$76.00} and XXXX XXXX and XXXX charges all made on XXXX XXXX. I filed an online report with the XXXX City Police Department as well. XXXX responded two day later stating that I had to file a XXXX Co report where the charges took place.XXXX Co. referred me back to XXXX City because of the complaint against XXXX XXXX. I called back to the police department after Bank of America 's decision and I was told the report had to be place in person and not on site. Just a heads up - I used my card at XXXX XXXX drive thru on XXXX XXXX. The young lady held my card a little longer than normal in the drive thru. That Tuesday when I revisit XXXX 's the same young lady was fried on XXXX XXXX. For the same issue reported as mine. The problem is 1 ). I called Bank of America to dispute the charges immediately.On XXXX XXXX a rep from Bank of America called asking me about a statement I made in reference to the card being out of my possession. I explained if passing my card through the drive thru was out of my possession then I would have to say yes. By the end of the week I received a letter stating the claim had been closed. 2 ). I filed two police reports one online XXXX and one in person on XX/XX/2017. 3 ). Bank of America not once sent me or allowed me to fill out a claim form on paper. 4 ).  Bank of America automatically concluded that I made these changes with no explanation except no error was made and these charges were authorized basically calling me a liar. I followed what I thought was the right protocol. I 'm having a tough time with Bank of America, XXXX XXXX and even the police department. How could they possible come to a conclusion with no real facts? Please help.
Product: Debt collection

CONVERGENT OUTSOURCING Account Name XXXX Account Number This is a collection agency they say for XXXX it says I opened a account with them in XX/XX/2017 or maybe they received the account then but Ive been with XXXX XXXX XXXX for the last 10years I have disputed this and contacted them only to get the run around
Product: Debt collection

This business is so unprofessional and rude. I call XXXX and they said the person I needed to talk to wasn't in till XXXX and that I would get a call back. I end up calling XXXX since I didn't receive a call back and they tell me the person I'm suppose to talk to left the office for the day and No one can answer a simple question and they can't help me! These people are ridiculous and never dealing with them ever again.
Product: Checking or savings account

I was working for my former employer I worked three pay periods and was paid once with a cold check, attempted to deposit the check that I assumed was good into my Capital One 360 account. The check bounced I have felony charges on them through the XXXX XXXX XXXX  Sheriff 's Office for theft of services in the amount of {$4400.00} dollars. I have also submitted the forms and a copy of the police report to Capital One and have also spoke to them on the telephone numerous occasions about this subject, and have added a written statement to my credit report on XXXX XXXX and XXXX. Most recently I attempted to open a checking account through XXXX XXXXXX/XX/XXXXand was denied a normal checking account because of information on the XXXX. I'm the victim of a crime and being treated as if I'm the criminal. Capital One did an investigation and found I wasn't at fault but yet I still have this stain on my record. I reported this to the FTC the IRS & the XXXX  XXXX Treasury due to now I'm having unearned earnings filed in my name reflected on my most recent W-2. I have numerous documents to prove my allegations and MORE than willing to submit them to ANY agency that can or will help me. 
Lastly I do have one other blemish due to Worker Comp but I'm currently in litigation with them for payout and unpaid bill coverage, they were the responsible party and I will be submitting a separate complaint on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX, EXPERIAN, XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX  XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.