23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to request your assistance in resolving my concerns, after an ongoing issue with the Credit Union has left me rather perplexed and distressed given the experience which I have had in my short time as a new member of Golden 1 Credit Union.

Please note that after my initial email to you requesting assistance and escalation to Credit Union management after multiple notably confusing interactions with customer care staff that my family members whom reside in New York were contacted without my knowledge to inquire about me and my information. While I can certainly appreciate doing ones diligence for a new Accountholder, I do believe that this was indeed unnecessary, at which time I amiably worked directly with XXXX XXXX XXXX in Financial Investigations to confirm both the validity of my identity as the accountholder and the check deposit from my father ( the check writer ). 

Please note that I have provided all of the information requested of me and even information in excess to verify not only my identity, but the deposited check itself which has since been adequately verified with XXXX XXXX  and your representatives. In addition, my XXXX  father in addition to myself took a great deal of time over the last 48 hours to work with the Credit Union to ensure this matter was resolved, and I request that this be honored in full promptly. Please be advised that per what Ive been advised by Golden 1 representatives, this check has indeed been verified by the external bank with confirmation of funds availability as well. 

Please be advised that my distress at this time stems from the arduous process which I have been placed through these past two days, & with the information provided to me this afternoon by your staff today on a call today ( Inbound recorded - XX/XX/23 ) that once XXXX XXXX signs off on the check today, all funds would be available. 

This credit union has lied on several recorded calls with agents promising the release of my funds, and have taken no accountability for the abhorrent treatment of me and the economic hardship caused me. 

This matter is an emergent matter.
Product: Debt collection

I have disputed the inaccuracies of these debt from    XX/XX/XXXX   to the  present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from   XX/XX/XXXX  and t he original debt was disputed with  XXXX   XXXX  as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On  XX/XX/XXXX  whic h is inaccurate and falsified.
Product: Debt collection

Lockhart Morris & Montgo Inc Their address : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TXXXXX Charged Collection Charge OFF {$650.00} I never used their service or anyone 's service. 
The charge has not been recognized. 
They simply reported to the Credit Beareu 's Please resolve the issue : Their phone number : XXXX XXXX phone number : XXXX
Product: Credit card or prepaid card

In 2020 Capital One didnt send me the credit card and I never received, activated or used it. Couple of months back they charged me XXXX $ annual fee. I have already left my job in US last year and have loved to XXXX. I do not have a bank account to pay the annual fee and their representative isnt aware of any other way I can make the payment. Now given that I can not make the payment, they said they will keep accruing the charges until I ever come back to US and pay the bill using a check. Can you please look in to this and ask the bank to waive my charges of XXXX $ given the card never reached me and I was not able to use it until I was present in XXXX . I do not have my credit card number because it never reached me. My SSN ends in XXXX
Product: Payday loan, title loan, or personal loan

I tested positive for XXXX the end of XXXX and it caused a lot of medical issues for me, and I could not work. I was receiving STD through my employer for 6 months, but that ended the beginning of XXXX. I am no longer employed because my employer did not provide accommodations for me to return part time or from home. I am unable to work full time still because I am still dealing with debilitating medical conditions. My insurance through my employer ended in XXXX. I explained to Mariner Finance that I am not on STD anymore and I am not receiving unemployment or XXXX yet. I an still waiting to hear back. I called and explained this to Mariner Finance and they were very rude to me and did not work with me. They said I need to fill the XXXX form out, but I am not longer on STD nor do I have insurance. It is not my fault that this pandemic happened and I got sick. AND it is also not my fault that I am unable to work. I do not appreciate being treated this way. I feel very discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS REGARDING XXXX XXXX XXXX ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH EQUIFAX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
XXXX XXXX XXXX AND EQUIFAX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE XXXX AND EQUIFAX FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO EQUIFAX AND XXXX SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM EQUIFAX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE XXXX FINAL LETTER.REMOVE XXXX FROM ALL BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

Instructions given to the indenture trustee WILMINGTON TRUST , NATIONAL ASSOCIATION regarding account XXXX for XXXX XXXX XXXX has not been executed.
Product: Checking or savings account

I, sent BANK OF AMERICA a affidavit of truth notarized via certified mail, return receipt. BANK OF AMERICA received and signed for said document on XX/XX/2022. I advised BANK OF AMERICA they were furnishing a 3rd party consumer reporting agency without my written consent pursuant to 15 U.S.C 6802 ( b ) ( 1 ) ( c ), the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, was never disclosed this information nor was I given the opportunity to opt out of such activities. I also made BANK OF AMERICA aware without proper documentation supporting their claim to what happened in my account, they were obligated by law to not willingly and knowingly furnish deceptive forms pursuant 15 U.S.C 1611. I requested BANK OF AMERICA to provide me with a money audit paper trail pursuant to 12 U.S.C 5562 ( c ) ( 10 ). I explained to them without proper documentation BANK OF AMERICA shall not report details defaming me in any way. I requested BANK OF AMERICA to provide me with exhibits showing how my account had alleged abuse and they informed me they did not have such documents to support that claim via phone on XX/XX/2022 with number ( XXXX ) XXXX. I also advised BANK OF AMERICA any activity they can not verified shall not be furnished to any third party consumer agencies ; and they also did not have my written consent to do so. I made it abundantly clear I did not want my information shared in anyway via phone on XX/XX/2022 with number ( XXXX ) XXXX. BANK OF AMERICA was given 15 calendar days to perform which they contractually agreed pursuant the " Postal rule ''. BANK OF AMERICA did not respond nor perform for my affidavit of truth received by them XX/XX/2022. BANK OF AMERICA continue to violate my consumer rights, I provided them with written instructions ; and expressed to them orally via phone on XX/XX/2022 with number ( XXXX ) XXXX, that I do not consent to my personal information being furnished to any third party consumer reporting agencies. I also made BANK OF AMERICA aware my consumer report shall have my transactions and experiences with them excluded from any consumer report pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ). 15 U.S.C 1681a states " ( 2 ) Exclusions.- EXCEPT as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' BANK OF AMERICA continue to neglect their obligations to federal statues and laws. BANK OF AMERICA continue to defame me and violate me in ways unimaginable. I have been hurt tremendously and suffer dearly. I have attempted to resolve this matter in good faith so be it. I enforce my rights to have BANK OF AMERICA held liable for these inaccurate and unfair credit practices.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted Equifax regarding account : XXXX XXXXXXXX XXXX Account : XXXX Require to delete : it is seven years old.

They refused per telephone call. 

Previously on multiple occassions I requested status update they informed me that it would be removed : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Alliant Credit Union is currently inaccurately reporting a credit card account on my credit reports as open and closed at the same time. This account was paid in full and closed with a zero balance months ago in XXXX. It was never late and never delinquent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights, 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. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have the following information on my account - ACTIVE-DUTY ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUTFIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERTWILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
I am not nor have ever been a veteran. I filed a dispute with Experian requesting that they remove the active-duty alert since i did not put this statement on my account nor have i given anyone permission to add this statement. I was informed that they could not remove the statement. I have contacted, FBI, Justice Dept, FTC, and the VA and was given the same news- They are unable to help me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023XX/XX/year>
Product: Debt collection

AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KA XXXX has been agrresively sending attempts to collect the amount of {$750.00} and the collection has been reported to as past due. I do not know this company, and I do not have any business with this company. I do not have a signed contract with this company.
Product: Credit card

Self lender told me that I had to wait 14 calendar days to process the payout of my security deposit. It has been over 14 days and they still refuse to process the payout. 

This continues to be a recurring theme with self-lender and their inability to follow their own rules and protect the best interests of their customers... I have called several times, and at the time of this complaint, I was on the phone with self lender and have been on hold for over XXXX min just to be told that there is nothing they can do even though they have recorded lines and was told I could process my payout after said 14 days. 

They refuse to show documentation that I was told this. overall I have lost all confidence that this company will hold up their end of the deal unless legal action is taken.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to Metro 2 Credit Compliance standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from Discover Financial Services that I was being denied for a variable rate undergraduate loan Application ID XXXX on XX/XX/2021. 

I immediately contacted Discover who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with discover again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 open disputes on derogatory reports filed by XXXX XXXX XXXX , on my student loans. There is one payment due monthly to XXXX, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Product: Mortgage

I had a upside down loan applied for a Making Home more affordable modification loan it took three modification the last one, they promise to take a XXXX XXXX XXXX  off but they put it at the end of the loan. They did not keep their agreement, this is Wells Fargo Mortgage Bank in XXXX XXXX IA. I now have been transfer to XXXX XXXX XXXX in XXXX of this year, who is charging me XXXX more dollars than wells Fargo. 
My Wells Fargo loan # XXXX the three modification dates : XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LOAN # XXXX I need help I appreciate very much you helping me to get my money from both of these loan companies Thank You XXXX XXXX